◆ Collateral-free MSME credit

Loans that move
with your invoices.

Get working capital against your GST sales or purchase invoices — no collateral, no branch visits, no paperwork. Apply through our App, on WhatsApp, or with just a phone call.

Trusted by SIDBI • 35+ Banks & NBFCs • 6L+ MSMEs

◆ Why GST Sahay

Designed for the MSME, not the credit officer.

Cash-flow lending that fits the way you actually run your business — built on your GST filings, served on the channels you already use.

₹

Up to 90% of invoice value

Discount sales invoices (SID) or finance purchase invoices (PID). Your B2B trade decides your credit limit.

⏱

Disbursed in <15 minutes

Median application-to-disbursal time across the rail. eKYC, eSign and eNACH — fully digital.

⬢

No collateral. Ever.

Cash-flow underwriting through FAME Score™. Your invoices are the security; your filings are the credit history.

✦

7 Indian languages

Hindi, Tamil, Telugu, Marathi, Gujarati, Bengali & English — across App, WhatsApp and Voice Bot.

⌖

Transparent pricing

Flat per-day interest, no hidden processing fees, no early-repayment penalty. You see it before you sign.

◐

Three doors, one engine

Start on the Sahay app, WhatsApp Bot, or Voice IVR. Pick up wherever you left off.

◆ Two invoices. Two products.

Discount what you've sold. Finance what you've bought.

Both lines run on the same GST Sahay framework — same KYC, same FAME Score, same wallet of MSMEs.

For suppliers

Sales Invoice
Discounting — SID

"You've shipped. Get paid today."

SME raises invoice → Sahay discounts it → Buyer pays at maturity

Ticket size

₹1L – ₹50L

Tenor

30 – 120d

Use case

Receivables

For buyers

Purchase Invoice
Discounting — PID

"You've placed an order. Get the material first."

SME receives invoice → Sahay pays supplier → SME repays later

Ticket size

₹1L – ₹50L

Tenor

30 – 180d

Use case

Payables

◆ How it works

From mobile number to disbursal, in one sitting.

Tell us your mobile number

Consent to GST + bank pull

One-tap GSTN + Account Aggregator authorisation. We do the heavy lifting.

Get an offer in 60 seconds

FAME Score™ generates eligibility, ticket size, tenor and rate — live.

Sign & receive funds

eKYC, eSign, eNACH — and the money is in your current account.

◆ Three doors. Same engine.

Meet us where you already are.

Hi Ramesh,

Eligible credit

FAME™ Score 742

₹8,40,000

Invoice · OEM Ltd

₹12,99,180

Disburse now

Sahay App

For the digitally-fluent MSME owner.

Native iOS & Android
Full account view + repayment dashboard
Multi-invoice batch discounting

Listening · हिन्दी

Voice Bot

For the shop-floor proprietor who's most comfortable talking.

7 Indian languages
Toll-free IVR & outbound call-back
Built for low-literacy, no-app users

GST Sahay

online

नमस्ते Ramesh ji. Aapki invoice mil gayi ✓

₹8L tak loan le sakte hain. Chahiye?

Haan bhejo

₹8,00,000 disbursed ✓

WhatsApp Bot

For the 600M+ MSME ecosystem already on WhatsApp.

End-to-end loan in a chat thread
Document drop, OTP, repayment reminders
Zero install, zero learning curve

◆ For banks & NBFCs

Plug into the
MSME cash-flow rail.

Underwrite cash-flow loans with the FAME Score™ engine. Co-lend with FinAGG's NBFC arm. White-label SID / PID for your existing book. One API, three roles, full-stack execution.

◆ Partner ecosystem

SIDBI

Anchor institution

Public Sector Banks

Co-lending & PSL fulfilment

Private Banks

White-label SID / PID rails

NBFCs

Risk-sharing & capacity

GSTN

Consent-based invoice data

AA Ecosystem

Bank statement consent

◆ Frequently asked

Common questions, honest answers.

Categories

Eligibility & documents
Loan products
Rates & repayment
Security & privacy
For lenders & partners

Still stuck?

Talk to us in your language.

Call 1800-XXX-XXXX →

Do I need to pledge any property or asset?

No. GST Sahay is fully collateral-free. We underwrite using your GST filings, banking flow and FAME Score™ — your B2B invoices are the only "security" we ask for. Even your business premises and personal assets stay untouched.

What's the minimum GST filing history I need?

For most products, 12 months of continuous GSTR-1 filings is the floor. The longer your history, the better your FAME Score™ — and the larger the ticket size you qualify for. Newer businesses can still be assessed via the Account Aggregator banking data.

How fast does the money actually reach my account?

Median application-to-disbursal time across the rail is under 15 minutes — from "I need cash" to "money in current account", all inside one sitting on the channel of your choice. Bank holiday cut-offs may add an extra business day in rare cases.

Which lender's name will appear on my loan?

GST Sahay is a rail — the lender on record will be one of our partner banks or NBFCs (including FinAGG's own NBFC, QCF). You'll see the lender's name clearly in the offer screen before you sign, and on all your repayment communications.

Is my GSTN and bank data safe?

Yes. We use consent-based, regulator-approved pipes — GSTN's official APIs and the RBI Account Aggregator framework. Data is fetched only with your explicit per-session consent, never stored beyond what's needed to service the loan, and never sold to third parties.

What happens if my buyer pays late?

Your repayment obligation to GST Sahay is independent of when your buyer pays you — it's your loan, not the buyer's. We do offer rollover and extension facilities (subject to FAME Score™ at the time) so genuine cash-flow gaps don't become defaults.

Loans that move with your invoices.