Axis Bank Launches’ Digital Merchant Cash Advance Loans’ for MSMEs
In December 2025, Axis Bank Limited, leading private sector lender in India, launched a new digital loan product ‘Digital Merchant Cash Advance Loans’ for Micro,Small, and Medium Enterprises (MSMEs).
In December 2025, Axis Bank Limited, leading private sector lender in India, launched a new digital loan product ‘Digital Merchant Cash Advance Loans’ for Micro,Small, and Medium Enterprises (MSMEs).
- It is designed specifically to cater the cash flow requirements of small merchants.
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- What? Launch of new digital loan product
- Launched by: Axis Bank
- Name: Digital Merchant Cash Advance Loans
- Loan Type: Unsecured credit facility for MSMEs
- Loan Range: Rs 2 lakh to Rs 20 lakh
- Key Features: Fully-digital loan process; EDI system
About Digital Merchant Cash Advance Loans:
Loan: This new offering will provide an unsecured credit facility ranging from Rs 2 lakh to Rs 20 lakh to MSMEs.
Assessment: The product is the first-of-its-kind in the industry, assessing merchants’ eligibility primarily on daily cash flows instead of conventional financial documents.
Digital Process: The bank follows a fully digital process from application to disbursement, enabling merchants to receive instant credit decisions after submitting their loan applications.
EDI System: The new loan product features Everyday Installment (EDI) system, allowing shopkeepers and small merchants to repay loans in small daily instalments linked to their daily sales.
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