This loan is designed for individuals seeking a salary advance exceeding 50% of their debt servicing capacity. To qualify, the borrower must be employed and provide collateral such as a car, electronics, or other valuable assets (loan against property). Instead of relying solely on the borrower's credit score, the loan amount is calculated based on the required cash, the value of the collateral (particularly for vehicles), and the borrower's repayment capacity. The main objective of the company is to provide borrowers with the maximum cash amount possible while ensuring that the repayments are within manageable limits.

The Micro Personal Loan has a maximum repayment period of 5 months. Customers are eligible to receive a loan amount exceeding 50% of their net pay, which is calculated based on 30% of the value of the asset (car) they pledge as collateral. This loan allows individuals to access funds quickly and easily by leveraging their asset without solely relying on their credit history.