Personal Trade Credit India

SME Credit India | Instant Credit India

Get instant credit India with personal trade credit India. SME credit India for businesses. Flexible repayment credit - pay only what you use.

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Why Choose Our Trade Credit

Flexible financing designed for your business and personal needs

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Flexible Limits

Instant credit India up to approved limit. SME credit India with flexible repayment credit.

Instant Approval

Personal trade credit India approved in 24 hours. Instant credit India with minimal docs.

Competitive Rates

Best instant credit India rates. Transparent SME credit India pricing, no hidden fees.

Manage Online

24/7 access to personal trade credit India dashboard. Easy flexible repayment credit management.

How Trade Credit Works

Get instant access to credit in just 3 simple steps

1. Quick Application

Fill out a simple online application with basic details. No complex paperwork or lengthy forms required.

2. Instant Approval

Get approved within 24 hours with our AI-powered credit assessment. No waiting, no delays.

3. Use & Pay

Access your credit limit anytime, anywhere. Pay only for what you use with flexible repayment options.

Working Capital Solutions: Pay for Days, Not Months

Compare our innovative per-day billing model with traditional options

AspectSeven FincorpTraditional Banks (15% APR)Credit Cards (19–24% APR)
Billing modelPer-day meter (₹120 per ₹1L/day)Monthly interest + processingAPR + cash-advance/other fees
Fixed fees₹0 (setup + monthly)₹20,000 processing + ₹1,000/month~2.5% cash-advance; up to ₹4,000/month
Early repaymentFull benefit — pay only for used daysLimited (monthly billing)Limited (fees stick)
Lock-ins / minimumsNoneFirst-month interest commonBilling-cycle constraints/fees
Speed to cash~24 hours2–4 weeksInstant (if limit)
Nominal APR (monthly-billed)— (per-day model)15% p.a. (lower nominal)19–24% p.a.

Aspect	Seven Fincorp	Traditional Banks (15% APR)	Credit Cards (19–24% APR)
Billing model	Per-day meter (₹120 per ₹1L/day)	Monthly interest + processing	APR + cash-advance/other fees
Fixed fees	₹0 (setup + monthly)	₹20,000 processing + ₹1,000/month	~2.5% cash-advance; up to ₹4,000/month
Early repayment	Full benefit — pay only for used days	Limited (monthly billing)	Limited (fees stick)
Lock-ins / minimums	None	First-month interest common	Billing-cycle constraints/fees
Speed to cash	~24 hours	2–4 weeks	Instant (if limit)
Nominal APR (monthly-billed)	— (per-day model)	15% p.a. (lower nominal)	19–24% p.a.

Compare Rates

See how we stack up against traditional lending options

Hold PeriodSeven FincorpTraditional Banks (15%)Credit Cards (22% + 2.5%)
days₹8,400 ✅₹33,500₹29,219
days₹16,800 ✅₹33,500₹33,438
days₹25,200 ✅₹33,500₹37,658
days₹36,000₹33,500 ✅₹43,082

Hold Period	Seven Fincorp	Traditional Banks (15%)	Credit Cards (22% + 2.5%)
7 days	₹8,400 ✅	₹33,500	₹29,219
14 days	₹16,800 ✅	₹33,500	₹33,438
21 days	₹25,200 ✅	₹33,500	₹37,658
30 days	₹36,000	₹33,500 ✅	₹43,082

Frequently Asked Questions

Everything you need to know about our trade credit

What are the eligibility requirements?

You must be 18+ years old, have a regular income, and meet our credit criteria. Both individuals and businesses can apply for our trade credit facility.

How is interest calculated?

Interest is calculated daily on the outstanding balance and charged monthly. You only pay interest on the amount you've drawn, not your entire credit limit.

Are there any hidden fees?

No hidden fees. We believe in transparent pricing. There are no setup fees, monthly fees, or early repayment penalties.

What can I use the funds for?

You can use the funds for any legitimate business or personal purpose, including working capital, equipment purchases, or unexpected expenses.

Get Personal Trade Credit India

SME Credit India | Instant Credit India

Instant credit India approval in 24 hours. Flexible repayment credit for all needs.

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