★ From our own book

Quick capital,
in a day.

Short‑term business loans of ₹5–25 lakh, lent from our own book — sanctioned and disbursed within one day, and repaid in 12 equal monthly instalments.

Apply now Check eligibility
₹5–25LAmount
1 daySanction &
disbursal
12 monthsTenor

Why Express Credit

When the bank says next month.

Cash flow doesn't wait for credit committees. Neither do we — we underwrite in‑house, so your loan is sanctioned and disbursed within one day.

i.

Our balance sheet, not someone else's

We lend from our own book. No syndication and no waiting on a bank's quarterly limits — the capital is ours, and so is the decision.

ii.

One conversation, one term sheet

You speak directly to the person who underwrites your loan. No relationship managers, no pass‑the‑parcel.

iii.

Built for cash‑flow gaps

For the month a big order lands or a receivable runs late — fast money, with one simple 12‑month repayment.

How it works

Three steps.
One day.

01
Apply

Share your business details and documents online. Everything is read digitally — no branch visits.

02
Assessment

We review your GST returns, bank statements and ITRs in‑house and send you a term sheet.

03
Sanction & disbursal

Sign, and the money reaches your current account — within one day of a complete application.

Final terms are subject to credit assessment.

Eligibility

Who can borrow.

The basics

Three checks.

  • A registered Indian businessPrivate limited, LLP, partnership or proprietorship.
  • Operational, with revenueYour numbers do the talking — we lend against real cash flow.
  • A clean banking historyNo active defaults and no wilful‑defaulter tags.
What we'll need

Four documents.

  • 01
    GST returnsGSTR‑1 and GSTR‑3B for the last 12 months.
  • 02
    Bank statementsYour primary current account, last 12 months.
  • 03
    Income tax returnsThe last two years, for the business and its promoters.
  • 04
    KYCPromoters' Aadhaar and PAN, and the entity's registration certificate.

All documents are read digitally.

Repayment

One plan.
Twelve months.

Equal instalments on the same date every month. Predictable, and easy to budget for.

Equated monthly instalments

The familiar shape.

You know your instalment from day one — no balloon payment at the end and no surprises in between.

Tenor12 months
Instalments12, all equal
FrequencyMonthly, same date
Best forSteady monthly inflows

Partners & co‑lenders

Lend alongside us.

We work with NBFCs, payment aggregators and fintech partners across India. To co‑lend or refer borrowers, write to hello@orrow.in — we'll send a partnership pack within the day.

Request the partnership pack