ClickPe is a loan platform that helps you discover and apply for personal loans from multiple lending partners. This offer is aimed squarely at small shopkeepers: retail shop owners, kirana and general stores, and medical shops. You can get ₹50,000 to ₹3 lakh through a 100% digital, paperless process, and new-to-credit applicants are welcome.
Key features
| Feature | Details |
|---|---|
| Loan amount | ₹50,000 to ₹3,00,000 |
| Tenure | 104 to 313 days |
| Lenders | Multiple lending partners |
| Process | 100% digital and paperless, with eligibility checks |
| Disbursal | Fast, after verification and approval |
| New to credit | Allowed |
Good to know: the final rate, fees and tenure come from the lending partner that approves you. The offer does not publish them, so compare the total repayable amount before you accept.
Why it suits shopkeepers
Many small shop owners run their business largely in cash and have never taken a formal loan, so banks have little to go on. ClickPe’s partners lean on documents a shopkeeper usually has, such as Udyam registration and proof that you own your home, rather than salary slips or a long credit history. That opens the door for first-time borrowers who need money for stock before a festive season, a new refrigerator for a medical store or shop repairs.
Eligibility
| Age | 21 to 60 years |
|---|---|
| Occupation | Retail shop owners, kirana and general stores, medical shops |
| Income | A stable source of income |
| Credit score | 650 or above |
| First-time borrower? | Allowed |
Documents you will need
- Identity: PAN card
- Address: Aadhaar card
- Business registration: Udyam Aadhaar (MSME registration)
- House ownership proof: electricity bill, property tax bill or water bill
Note the house ownership proof: lenders on this platform want to see that you own your home, so tenants may find it harder to qualify.
Planning repayments
A tenure of 104 to 313 days is roughly 3.5 to 10 months, shorter than a typical personal loan. As an illustration, ₹1,50,000 repaid over about 10 months is around ₹15,000 a month in principal alone, before interest. Match the repayment schedule to your shop’s cash flow, and remember festive and slow seasons when you choose the tenure.
How to apply
- Tap Apply on ClickPe site on this page to open the application.
- Enter your details and complete the eligibility check.
- Upload your PAN, Aadhaar, Udyam registration and house ownership proof.
- Compare the lender’s offer, accept the terms and receive the funds after verification.
Borrow smart
- Check the interest rate, processing fee and total repayable amount on the loan agreement before you sign.
- Borrow only what you need; a bigger sanction is not a reason to take more.
- Keep total EMIs under about 40–50% of your take-home pay.
- Repay on time. Missed payments hurt your credit score and attract penalties.
- Keep your Udyam registration up to date; it is required and also helps with future business credit.
Who it suits
A good fit for kirana, general store, retail and medical shop owners with Udyam registration and their own home, especially if they have little or no credit history. Look elsewhere if you run a different kind of business, are salaried, or don’t own your residence.
Bottom line: ClickPe is a practical route to formal credit for small shopkeepers. Repay this first loan on time and you build the credit history that makes larger, cheaper business loans possible later.
