Shubham Khanna runs a small garment boutique in Jaipur. Every year, he spends the month before Diwali scrambling to build inventory for the festival rush. This year, he had a problem — his wholesaler raised prices 3 days before the delivery window closed.
The need
He needed ₹3,00,000 in 48 hours to lock in the old price and secure the stock. His regular bank would have taken 7–10 days with paperwork and manager approvals. Other NBFC apps asked for salary slips — but Shubham is self-employed.
The outcome
He applied to Quikkred on a Sunday morning. Our AI scored his profile using GST filings + bank transaction patterns instead of salary slips. Approved in 45 seconds. Disbursed in 12 minutes. He closed the wholesale order the same day.
By Diwali, his inventory had turned over twice. He repaid the full loan within 40 days. His next Quikkred application will come in at a better rate because of his clean track record.