Better short-term loans with Line of Credit

Get collateral free credit line, access cash up to 25 lakhs with 24*7 withdrawals for your business.

gromor financeliquiloans logo
INR coinINR coin

Use, Repay, Repeat


Instant credit line loan up to ₹25 lakhs


No pre-closure charges


Low interest rates starting 1.5% per month


Reduce interest flow - pay as you use


Line of Credit vs. Loan:
Exploring the Better Option

Primarily used for


Flexibility to withdraw

Ease of withdrawals

Interest rate

Processing fee

Line of Credit


Short-term working capital


Up to 12 months


Withdraw funds as you need


One click draw every time


Pay interest only on amount you use


0.5-2.5% based on tenure

Traditional Loan

Primarily used for

Long term growth & expansion


2-5 years

Flexibility to withdraw

One time disbursal of full amount

Ease of withdrawals

New application every time

Interest rate

EMIs pre determined on full loan amount

Processing fee

3-4% upfront



Starting at 1.5%

APR (annual percentage rate) range of 15% - 35%

0.5% - 2.5% Processing fee based on your withdrawal

Eg: If you withdraw ₹1 lakhs at 1.5% pm and repay in 90 days, you pay only ₹3,015 as interest and 2% as processing fee + GST


Registered business with annual turnover of ₹20 lakhs and operating for at least 12 months

Calculate your EMI

How much capital do you want?

₹ 2,00,000

Rate of interest (monthly)



3 months

₹ 70,027

Monthly EMI

₹ 11,261

Total Charges

Total interest amount

₹ 10,081

Processing fee

(2% of principal per annum)

₹ 1,000


(18% of processing fee)

₹ 180


₹ 2,11,261

Total payable


Apply in just 3 simple steps

Submit an application


Submit an application

Provide basic business details, credit report and primary bank account statements to complete your application

Share KYC documents


Share KYC documents

Get approved in one business day, and submit business KYC documents on email

Use, Repay, Repeat


Use, Repay, Repeat

Once active, withdraw funds as per your need, repay and reuse your line for any future requirement


Our Customers Love Us!

Frequently Asked Questions



Get Line of Credit up to ₹25 lakhs for your business

Don’t pause your business growth due to a cash crunch. Activate Line of Credit for all your planned & unplanned business expenses. Withdraw funds from your Credit Line to manage your cash flow better & grow your business

Razorpay logo
Terms & Conditions

For any application and active account-related query on your Line of Credit Facility, please log in to your account and raise a support ticket from the Help menu. Our team will reach out to you within 1-2 business days.

Grivence Process For Line of Credit merchants

If the resolution provided in the above step is not satisfactory, and you want to raise a complaint, you can approach our Grievance Redressal Officer via email. Please share your account ID and Ticket ID of the complaint in the email. We will respond to your complaint within 30 business days. In case of any delay in response, we will communicate the reasons for the same.

Grievance officer details

Mr. Nitish Garg,
Senior Director
+91 98860 23388

(Monday to Friday- 10.30AM to 6.00PM,
except public Holidays)

If the resolution provided in the second step is not satisfactory, you can reach out to our Lending partner’s Nodal officer via email. Please forward the first email with more details. The Lending Partner’s team will respond to your complaint within 30 business days. In case of any delay in response, we will communicate the reasons for the same. Please check your Agreement to find your lender name and check below for Grievance office details

Gromor Finance Private Limited logo

Gromor Finance Private Limited

Nodal Officer Details

Ms. Rashi Kataria,
AVP Operations
+91 95890 78309

(Monday to Friday- 10.30AM to 6.00PM,
except public Holidays)

Liquiloans: NDX P2P Pvt Ltd logo

Liquiloans: NDX P2P Pvt Ltd

Nodal Officer Details

Mr. V. Balamurugan,
Chief Operating Officer

(Monday to Friday- 10.30AM to 6.00PM,
except public Holidays)

Grievances portal
Razorpay logo

Razorpay is the only payments solution in India that allows businesses to accept, process and disburse payments with its product suite. It gives you access to all payment modes including credit card, debit card, netbanking, UPI and popular wallets including JioMoney, Mobikwik, Airtel Money, FreeCharge, Ola Money and PayZapp.

RazorpayX supercharges your business banking experience, bringing effectiveness, efficiency, and excellence to all financial processes. With RazorpayX, businesses can get access to fully-functional current accounts, supercharge their payouts and automate payroll compliance.

Manage your marketplace, automate bank transfers, collect recurring payments, share invoices with customers and avail working capital loans - all from a single platform. Fast forward your business with Razorpay.

Disclaimer: The RazorpayX powered Current Account and VISA corporate credit card are provided by RBI licensed banks. Your RazorpayX powered current account is provided by our partner banks i.e, ICICI, RBL, Yes bank, in accordance with RBI regulations. RazorpayX itself is not a bank and doesn't hold or claim to hold a banking license.


RazorpayX Source to pay Current Accounts Payouts Payout Links Corporate Credit Card


Razorpay Capital Instant Settlements Line of Credit Working Capital Loans Marketplace Instant Settlements


Refer and Earn Onboarding APIs


Route Invoices Freelancer Payments International Flash Checkout UPI ePOS Checkout Demo RazorpayX Payroll


About Us Careers Terms of Use Privacy Policy Grievance Redressal Responsible Disclosure Partners White papers Corporate Information


Support Knowledge base

Find us online

Facebook logoTwitter logoInstagram logoGithub logolinkedin logo


Razorpay Software Private Limited,
Ground Floor, SJR Cyber,
22 Laskar Hosur Road, Adugodi,
Bengaluru, 560030,
Karnataka, India
CIN: U72900KA2020PTC139072

© Razorpay 2024

All Rights Reserved