Business credit
Working capital that moves with your procurement.
PolyStoreX's managed credit helps eligible businesses buy the materials they need on structured payment terms - reviewed by people, not decided by a form.
Business credit
Business credit built around your procurement.
Access structured credit options designed to help eligible businesses manage working capital and purchase industrial materials with confidence.
Every application is reviewed by the PolyStoreX credit team. Approval, limits and payment terms depend on eligibility and are never granted automatically.
- 01
Check credit eligibility
Sign in with your business account and see whether a credit application can be started.
- 02
Apply using business details
Your verified GST and PAN details are reused - just add your credit requirement.
- 03
Upload financial documents
GST certificate, bank statements and ITR or financials, uploaded securely.
- 04
Track your application
Follow every review stage, respond to document requests and see the decision.
What you'll need
Documents for your application.
Files are uploaded directly to PolyStoreX's secure document storage and are visible only to you and the PolyStoreX credit team.
- GST registration certificateRequired
- Bank statement - last 6 monthsRequired
- ITR / financial statements - last 2 yearsRequired
- GST returns (GSTR-3B) - last 6 monthsRecommended
- Cancelled chequeRecommended
- Business registration certificateRecommended
PDF, JPG, PNG or WEBP up to 10 MB each. GST and PAN are verified from your PolyStoreX business profile.
After you apply
How your application is reviewed.
Submitted
Your application is queued for the PolyStoreX credit team.
Under review
Documents are verified and the application is assessed. This can include a credit insurance review.
Documents required
If anything is missing, you'll be asked to upload it and resubmit.
Decision
The application is approved (fully or partially) or declined, with a message from the credit team.
Credit active
Approved limits and payment terms become available at checkout.
How does credit work?
Eligible businesses can apply for a managed credit line. You submit your requirement and financial documents, and PolyStoreX's credit team reviews the application - this can include document verification and a credit insurance review. If approved, the sanctioned limit and payment terms become available at checkout. Applications are never approved automatically.
What documents are required for credit?
A GST registration certificate, recent bank statements and ITR or financial statements are required to submit an application. GST returns, a cancelled cheque and business registration documents help the review and may be requested. Files can be PDF, JPG, PNG or WEBP.
How is KYC handled?
Your GSTIN and PAN are verified server-side by PolyStoreX through its verification partner - never from your browser - and only masked values are shown back to you. Supporting documents are stored securely and reviewed by the PolyStoreX compliance team before your account is approved.