Paytm on 5 November 2025 announced the rollout of a new short-term lending product for small and medium-sized enterprises (SMEs) to strengthen its merchant ecosystem. The offering allows merchants to access working capital loans up to ₹25 lakh through the Paytm for Business app, leveraging transaction data and credit scores. The company said the move aims to improve cash-flow management for sellers while diversifying its fintech portfolio. Analysts believe this initiative could help Paytm enhance profitability in its financial services arm amid intense competition in digital lending.