Loan Against Receivables

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Yashika Financial Services Overview

Unlock Working Capital from Your Receivables

Leverage your credit card sales and online transactions for business growth

What is a Loan Against Credit Card Receivables and Online Transactions?

Loan Against Credit Card Receivables and Online Transactions is a specialized business financing solution that enables merchants, retailers, and e-commerce businesses to access working capital by leveraging their credit card sales and online transaction receivables. Instead of waiting for settlement periods, you can get immediate funds based on your credit card POS transactions and online payment gateway receivables. This innovative financing model helps businesses maintain healthy cash flow, manage inventory, expand operations, and seize growth opportunities without waiting for payment settlements.

Loan Amount: ₹1,00,000 - ₹50,00,000
Interest Rate: From 14% p.a.
Tenure: 12 - 84 months
Processing: Within 48 hours

Perfect For

Retailers
E-commerce
POS Merchants
Cash Flow
Inventory
Expansion
Apply Now

Yashika Financial Services Why Choose Us

Smart Business Financing Solution

Unlock capital from your receivables for business growth

01

Quick Access to Funds

Get immediate working capital without waiting for settlement periods.

02

Based on Receivables

Loan amount determined by your credit card and online sales volume.

03

Flexible Repayment

Repay based on your business cash flow and receivables cycle.

04

No Collateral

Unsecured financing based on your transaction history.

05

Fast Processing

Quick approval and disbursal within 48 hours.

06

Business Growth

Use funds for inventory, expansion, or operational needs.

Yashika Financial Services Quick Application

Apply for Loan Against Receivables

Fill out the form below and our team will contact you within 48 hours

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Yashika Financial Services Eligibility

Loan Against Receivables Eligibility Criteria

Basic Eligibility

Business Type

Retail, E-commerce, Restaurant, Service Business

Business Vintage

Minimum 6 months in operation

POS/Online Payments

Active credit card POS or payment gateway

Age of Owner

Between 21 to 65 years

Financial Requirements

Monthly Receivables

Minimum ₹50,000/month in credit card/online transactions

Transaction History

Minimum 3 months transaction history

Bank Account

Active current account for receivables

GST Registration

Valid GST registration (if applicable)

Yashika Financial Services Documentation

Documents Required for Loan Against Receivables

Keep these documents ready for quick loan processing

Identity Proof

Aadhaar / PAN / Passport

Address Proof

Utility Bill / Rent Agreement

Business Proof

Registration Certificate / Partnership Deed

POS/Transaction Statements

Last 6 months credit card POS and online transaction statements

Bank Statements

Last 12 months current account statements

Financial Statements

Balance Sheet, P&L, ITR for 2 years

Yashika Financial Services Features & Benefits

Loan Against Receivables Advantages

01

Immediate Working Capital

Access funds without waiting for payment settlements

02

Receivables-Based Financing

Loan amount based on your credit card and online sales

03

No Collateral Required

Unsecured financing based on transaction history

04

Flexible Repayment

Repay based on your business cash flow cycle

05

Quick Processing

Fast approval and disbursal within 48 hours

06

Business Growth

Use funds for inventory, expansion, or operations

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Yashika Financial Services Happy Customers

What Our Customers Say

Real stories from businesses that leveraged their receivables for growth

"Got ₹15 lakhs against my credit card receivables to expand my retail chain. No collateral needed, quick approval, and flexible repayment. Ketan sir made it so easy!"

Rajesh Mehta

Retail Chain Owner, Mumbai

"Perfect solution for my e-commerce business! Leveraged my online transaction receivables to manage inventory during peak season. Transparent process and competitive rates."

Priya Desai

E-commerce Entrepreneur, Pune

"Used loan against POS receivables to open a second restaurant location. No property mortgage, quick funds, and repayment aligned with my cash flow. Excellent service!"

Amit Patel

Restaurant Owner, Thane

Ready to Unlock Capital from Your Receivables?

Apply now and get working capital based on your credit card and online transactions

Apply Now

Yashika Financial Services Loan Against Receivables FAQs

Got Questions?
We Have Answers

Find answers to commonly asked questions about loan against credit card receivables and online transactions.

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What is Loan Against Credit Card Receivables and Online Transactions?

This is a business financing product where you can get a loan based on your credit card POS transactions and online payment gateway receivables. Instead of waiting for settlement periods (typically 2-7 days), you get immediate working capital based on your transaction volume. It's perfect for retailers, e-commerce businesses, restaurants, and any business that accepts credit cards or online payments.

How is the loan amount determined?

The loan amount is determined based on your average monthly credit card and online transaction receivables. Typically, you can get 50-80% of your monthly receivables as a loan, depending on your business vintage, transaction consistency, and credit profile. Our team will analyze your transaction history to determine the maximum eligible amount.

Do I need to provide collateral?

No, this is typically an unsecured loan based on your receivables and transaction history. However, for higher loan amounts or businesses with limited transaction history, lenders may require collateral or personal guarantee. Our team will guide you on the best option based on your profile.

What documents are required?

You'll need business registration documents, GST certificate (if applicable), last 6-12 months of POS/online transaction statements, bank statements showing receivables, financial statements (P&L, Balance Sheet), and identity/address proof of owners. Our team will provide a complete checklist based on your business type.

How quickly can I get the funds?

Once all required documents are submitted and verified, loan approval typically takes 48 hours. After approval, funds are disbursed within 2-3 working days. The timeline may vary based on documentation completeness and transaction history verification.

Can I use the funds for any business purpose?

Yes, you can use the funds for any legitimate business purpose including inventory purchase, working capital management, business expansion, equipment purchase, marketing, or any operational expenses. There are no end-use restrictions.