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Loans for Woman-Owned Businesses

Women are breaking the glass ceiling in every sphere of business. They are leading enterprises and establishing their presence in segments that were traditionally male-dominated. As strong believers in the power of entrepreneurship, we at Capital Float, eagerly want to support these ambitious businesspersons in their journey towards success by offering collateral-free small business loans for women. These working capital loans can be used to address immediate business requirements or capitalize on a growth opportunity.

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Loan Amount

₹5 lakhs - ₹50 lakhs

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Credit Criteria

Customized credit underwriting

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Loan Tenure

1-3 years

HOW IT WORKS
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APPLY

Apply anytime, from anywhere in just 10 minutes for loans for women-owned businesses.

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Upload

Digitally upload scanned copies of the required documents.

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Avail

Backed by cutting-edge technology, we disburse the loan amount in just 3 days.

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Repay

Choose from our easy and flexible repayment options

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APPLY

Apply anytime, from anywhere in just 10 minutes for loans for women-owned businesses.

...
Upload

Digitally upload scanned copies of the required documents.

...
Avail

Backed by cutting-edge technology, we disburse the loan amount in just 3 days.

...
Repay

Choose from our easy and flexible repayment options

BENEFITS

We understand the challenges SMEs face in availing of formal finance from traditional lending establishments. The demand for collateral, stringent eligibility criteria and delay in disbursement of funds can be impediments to the progress of SMEs, including women-owned businesses. So, we’ve created a basket of customized loans for businesses run by women. Here are a few of the benefits of availing small business loans for women.

  • Simple online application
  • No collateral required
  • Loan amount in 3 days
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TESTIMONIALS
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Bhoomika Thakur
Online & offline retailer of Lenovo products

C Store

Our partnership with Capital Float started with retail but now we are looking at expanding our business to online sales. I did not find any difficulty in getting through the process. They are very customer friendly and their service is really good.

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Dr. Chitra
Retailer of baby & kids' products

Surabhi Ventures

I was trying to expand my business when we took the finance from Capital Float. We have taken three loans from Capital Float in the last one year. They are more professional, flexible and have varied products.

INTEREST RATE, FEES AND EMI CALCULATOR

We believe in complete transparency. There are no hidden charges involved; a minimal processing fee of 2% of the loan amount is charged to the customer. The interest rate starts at a competitive 15% and is decided on a case-to-case basis. EMIs for various loan amounts can be evaluated using our EMI calculator.

Interest range 15%-24%

* Flat

Processing Fee of up to 2%

Low prepayment charges

Flexible repayment

EMI Calculator

Loan Amount

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Your EMI

₹ 0

ELIGIBILITY
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Business History

A registered business with an operational history of 3 years or more

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Financials

Annual business turnover of over ₹1 crore

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GST

GST returns of your business for the last 6 months

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Bank Statements

Business banking account statements of the last 6 months

FREQUENTLY ASKED QUESTIONS

Capital Float is a unique business loan provider because we understand the difficulties businesses run by women face in acquiring financing from traditional banking institutions. We also know that no single type of loan can meet the needs of every type of business. This is why we have designed a variety of different loan products, specially tailored for the needs of women-owned businesses in India. If you are looking for small business loans for women, choose Capital Float’s collateral-free loans because we offer:

 

  • Completely collateral-free loan
  • Simple, secure, online loan application process
  • Loan range between ₹5 lakh to ₹1 crore
  • Loan tenure ranging from 9 months to 3 years
  • Funds disbursed in just 3 days

The eligibility criteria differ from one loan product to another. We’ve been mindful while defining the credit criteria for our products to make loans easily accessible for women-owned businesses. Here’s a quick look at the eligibility criteria.

 

Term finance: 

  • Registered business with an operational history of 3 years or more
  • Annual business turnover of over ₹1 crore
  • GST returns for the last 6 months
  • Business banking accounts of the last 6 months

 

Loans against card swipes:

  • GST registered business with an operational history of at least one year
  • Annual turnover of at least ₹20 lakhs
  • Minimum monthly card volume of ₹2 lakhs
  • Minimum card acceptance vintage of 6 months

 

Our customer-friendly practices ensure that the borrower isn’t burdened by any part of the loan process; from application to repayment. This is why we only need basic business documents, such as: 

 

Term finance: 

  • GST returns for the last 6 months
  • Income tax returns for the last two years
  • KYC documents of the business entity and the business owner/s
  • Business bank statements for the last six months
  • Loans or overdraft sanction letters (if any)

 

Loans against card swipes:

  • Bank statements reflecting card settlements for the last 6 months
  • GST returns for the 6 months prior to loan application
  • Your and your promoter’s KYC documents.
  • Audited financial statements for large loan amounts

 

The borrower needn’t visit a branch to handover the hard copies of the documents. All we need at the time of application are scanned copies of the documents, which can be uploaded along with the completed application form.