Poonawalla Fincorp Launches 24/7 Digital MSME Loan
10 Jun 2025
2 Min Read
CW Team
Poonawalla Fincorp Limited (PFL), a non-banking financial company (NBFC) promoted by the Cyrus Poonawalla Group, has unveiled an industry-first digital lending solution鈥擝usiness Loan 24/7鈥攁imed at transforming credit access for India鈥檚 micro, small, and medium enterprises (MSMEs). This innovative offering leverages advanced risk analytics to deliver instant loan approvals with flexible repayment options, entirely through a digital platform.
The solution is designed to meet the evolving credit needs of MSMEs across India鈥檚 Tier 1, 2, and 3 cities in sectors such as retail, services, manufacturing, and trade. Business Loan 24/7 operates on a Straight Through Processing (STP) model, offering a seamless, paperless experience that removes the need for physical documentation or branch visits. This fully digital journey ensures simplicity, speed, and security for self-employed professionals and small businesses.
PFL鈥檚 proprietary digital risk assessment framework integrates with India鈥檚 public digital infrastructure鈥攊ncluding GST systems, credit bureaus, and account aggregators鈥攖o accurately assess borrower profiles using real-time financial data from credible sources. This strengthens credit evaluation beyond traditional metrics, enabling responsible and calibrated lending to high-potential enterprises.
Speaking on the launch, Mr. Arvind Kapil, MD & CEO of Poonawalla Fincorp, said: 鈥淚ndia鈥檚 USD 4 trillion economy will see MSMEs as a key growth engine over the next decade. Our digital-first model, backed by robust financial infrastructure and analytics, will allow us to serve this segment effectively while managing risk. Business Loan 24/7 is a first-of-its-kind offering for good-quality MSMEs seeking convenient and credible access to finance.鈥�
This launch follows the earlier success of PFL鈥檚 24/7 digital loan offering for salaried professionals. With this new MSME-focused solution, PFL aims to build a competitive edge through technology-led lending and aims to steadily scale the product in a risk-calibrated manner over the next four to six quarters.
By integrating cutting-edge technology with its core lending strategy, PFL positions itself to become a leading provider of MSME finance in India, supporting entrepreneurs in scaling operations while upholding prudent credit practices.
Poonawalla Fincorp Limited (PFL), a non-banking financial company (NBFC) promoted by the Cyrus Poonawalla Group, has unveiled an industry-first digital lending solution鈥擝usiness Loan 24/7鈥攁imed at transforming credit access for India鈥檚 micro, small, and medium enterprises (MSMEs). This innovative offering leverages advanced risk analytics to deliver instant loan approvals with flexible repayment options, entirely through a digital platform.The solution is designed to meet the evolving credit needs of MSMEs across India鈥檚 Tier 1, 2, and 3 cities in sectors such as retail, services, manufacturing, and trade. Business Loan 24/7 operates on a Straight Through Processing (STP) model, offering a seamless, paperless experience that removes the need for physical documentation or branch visits. This fully digital journey ensures simplicity, speed, and security for self-employed professionals and small businesses.PFL鈥檚 proprietary digital risk assessment framework integrates with India鈥檚 public digital infrastructure鈥攊ncluding GST systems, credit bureaus, and account aggregators鈥攖o accurately assess borrower profiles using real-time financial data from credible sources. This strengthens credit evaluation beyond traditional metrics, enabling responsible and calibrated lending to high-potential enterprises.Speaking on the launch, Mr. Arvind Kapil, MD & CEO of Poonawalla Fincorp, said: 鈥淚ndia鈥檚 USD 4 trillion economy will see MSMEs as a key growth engine over the next decade. Our digital-first model, backed by robust financial infrastructure and analytics, will allow us to serve this segment effectively while managing risk. Business Loan 24/7 is a first-of-its-kind offering for good-quality MSMEs seeking convenient and credible access to finance.鈥漈his launch follows the earlier success of PFL鈥檚 24/7 digital loan offering for salaried professionals. With this new MSME-focused solution, PFL aims to build a competitive edge through technology-led lending and aims to steadily scale the product in a risk-calibrated manner over the next four to six quarters.By integrating cutting-edge technology with its core lending strategy, PFL positions itself to become a leading provider of MSME finance in India, supporting entrepreneurs in scaling operations while upholding prudent credit practices.
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