Firstfund is not a lender. Loans come from RBI-regulated banks and NBFCs.
Stock and inventory loan
Buy ahead of a festive season, a big order or a supplier discount. Share your business details once and our team will connect you with RBI-regulated lenders.
What it can cover
Be ready before demand peaks.
Take the discount for buying more.
Fulfil it without draining your cash.
Try new stock without risking the old.
Loan types that fit
Not sure which one you need? Tell us what the money is for and our team will help. Which types you can get depends on the lender and your business.
A short-term loan you repay as the stock sells.
A limit you draw on as you buy, and pay back as you sell.
A limit set on the value of your stock and receivables, with regular stock statements to the lender.
Before you borrow
Plan repayments around when the stock turns into cash.
What lenders look at
Eligibility
Each lender sets its own criteria. Keep these handy; you won’t need to upload them on Firstfund.
Good to know
For MSME term loans, the lender must give you a Key Fact Statement with the APR, every fee and the repayment schedule before you sign. A fee that isn’t in it can’t be charged without your consent.
For floating-rate business loans to individuals and micro and small enterprises, sanctioned or renewed from 1 January 2026, banks and larger NBFCs can’t charge a prepayment fee. Small finance banks, regional rural banks, some co-operative banks and mid-sized NBFCs can’t charge one on such loans up to ₹50 lakh.
Firstfund doesn’t charge you to apply. A real lender pays the loan into your business’s bank account, deducts any processing fee shown in the KFS, and never asks for money upfront.
Based on Reserve Bank of India directions on Key Facts Statements (2024), pre-payment charges (2025) and digital lending (2025). Your lender’s KFS and loan agreement have the final terms.
Questions
Yes, with many banks. Cash credit limits are often set against the value of your stock and receivables, and you share stock statements with the lender regularly.
Anywhere from a few working days to a few weeks, depending on the lender, the amount and how ready your documents are. Apply a few weeks before you need to buy.
Yes. Retailers, wholesalers and distributors can apply. Each lender sets its own criteria.
No. Sharing your details with Firstfund is free. Lenders may charge a processing fee, which they must show in the Key Fact Statement.
Other uses
Your next step
Share your details once. Our team will connect with you about the next steps.
Free. Firstfund never asks for an upfront payment.