RBI Compliant Digital Lending

Your Digital Bridge to
Formal Credit

RinSetu empowers micro-merchants, shopkeepers, and vendors with instant, collateral-free digital lending and unsecured business loans. Grow your business today with zero paperwork and seamless working capital for small businesses.

10k+

Trusted by 10,000+
merchants in India

Available Credit

₹ 1,50,000

Instant Disbursal

Money in bank in 2 mins

Flexible Repayment

Daily auto-debit via UPI

Collateral

Zero Required

Process

100% Paperless

Smart Financing

The RinSetu Credit Line

Designed specifically for the needs of Indian micro-merchants. No collateral, no paperwork, just pure growth with unsecured business loans.

₹25K - ₹2.5L

Flexible ticket sizes tailored to your daily business needs.

100% Paperless

End-to-end digital journey from origination to collection.

No Collateral

Unsecured credit lines based on your business cash flow.

90 - 180 Days

Convenient repayment periods with daily UPI E-Nach collection.

Eligibility Criteria

Simple requirements for
instant approval

Micro Merchants

Must have a fixed physical store location.

QR Collection

Min. 1 year statement via QR/Soundbox.

Clean History

No previous active loans & good credit.

Digital Setup

Active QR Code or Sound Box installed.

AI-Powered Underwriting

We use advanced AI to analyze your GST statements and UPI transaction history to offer you the best credit limit instantly. Credit Bureau checking and reporting included.

Fully Insured Credit Line

SIMPLE PROCESS

How It Works

Get funded in four simple steps through our seamless digital platform. No branch visits required.

Apply Online

Fill a quick digital form with basic business details. Our streamlined process takes less than 2 minutes to complete.

Digital KYC

Instant AI underwriting using your UPI and GST statements. 100% paperless verification without any manual intervention.

Instant Approval

Get your credit limit approved and disbursed directly to your bank account within minutes of application.

Daily Collection

Automated, hassle-free repayment via daily UPI E-Nach. Focus on growing your business while we handle the rest.

OUR MERCHANTS

Empowering Bharat's Backbone

From local Kirana stores to street vendors, we provide instant capital to businesses that drive the Indian economy.

Kirana Store Merchant using RinSetu for working capital

Daily QR Scans

₹12,500 Avg

Retail & Kirana

Expand inventory and manage daily cash flows with instant credit lines based on your shop's QR collections.

Street Vendor getting unsecured business loan

Soundbox Active

150+ Txns/Day

Street Vendors

Turn your daily digital transactions into a reliable credit score. Get funded to buy bulk raw materials.

Service Provider using digital lending for growth

Pre-Approved

₹50,000 Limit

Service Providers

Garages, salons, and repair shops. Upgrade your equipment and grow your service capacity instantly.

About Us

Bridging the Credit Gap for India

RinSetu is a brand of Archway Commercial Solutions Private Limited, an Indian startup dedicated to empowering micro-merchants with accessible financial solutions.

The name RinSetu beautifully combines two powerful concepts:

Rin Credit / Loan

Setu Bridge

We leverage cutting-edge technology to provide a seamless bridge between lenders and borrowers, ensuring financial inclusion reaches the grassroots of India.

Indian Small Business using RinSetu for formal credit

100%

Commitment to financial inclusion for Indian micro-businesses.

Trust & Security

Built on Regulatory Excellence

Your data and finances are protected by bank-grade security and strict adherence to Indian financial regulations.

RBI Compliant

We operate in strict accordance with the Reserve Bank of India's digital lending guidelines, ensuring transparent and fair practices.

Bank-Grade Security

Partnered with NPCI standards, featuring 256-bit encryption to protect your sensitive business and personal data at all times.

Official Lending Partner

Blue Jay Finlease Limited

Operating as ZipLoan

Archway (RinSetu) has proudly partnered with Blue Jay Finlease Limited, a premier Delhi-based Non-Banking Financial Company (NBFC). Together, we specialize in providing unsecured working capital and equipment finance tailored specifically for small businesses in India.

Established

Incorporated in 1996

Key Operations

Delhi, Mumbai, Jaipur, Indore

Got Questions?

Frequently Asked Questions

Everything you need to know about RinSetu's digital lending services.

What is RinSetu?

RinSetu is a digital lending platform by Archway Commercial Solutions Private Limited. We specialize in providing unsecured working capital and equipment finance to small businesses in India, bridging the gap to formal credit.

Do I need to provide collateral for a loan?

No, we specialize in unsecured working capital loans. This means you don't need to pledge any assets or collateral to secure funding for your business growth.

What documents are required to apply?

You typically need basic KYC documents (Aadhaar, PAN), business registration proof, and recent bank statements. Our 100% digital process makes submission quick and hassle-free.

How long does it take to get the loan disbursed?

Once your application is approved and documents are verified, funds are usually disbursed directly to your bank account within 24 to 48 hours.

Is my data secure with RinSetu?

Yes, absolutely. We use bank-grade 256-bit encryption and comply strictly with RBI and NPCI guidelines to ensure your personal and business data is completely secure and never shared without your consent.

Your Digital Bridge to
Formal Credit