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Commercial Finance for MSMEs

We’ve designed one of the simplest and convenient unsecured commercial loans for MSMEs in India. Our commercial finance product is an easy and quick working capital loan to give businesses the best chance of success. We don’t take collateral for loans and borrowers needn’t engage in cumbersome paperwork. Loan applications are made online and funds are delivered in three days.

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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 SME & MSME loans.

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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.

...
APPLY

Apply anytime, from anywhere in just 10 minutes for SME & MSME loans.

...
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

The tedious process and stringent eligibility criteria of traditional banking institutions make availing business finance very challenging for small businesses. At Capital Float, we’ve created customized loans for SMEs and MSMEs in India. The benefits of availing a loan from Capital Float include:

  • Simple online application
  • No collateral required
  • Loan amount in 3 days
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TESTIMONIALS
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Vinod
Manufacturer of fiber optic products

Advanced Fiber Solutions

Business has grown by 45% after working with Capital Float and we have added more customers. They have been supporting us in an honest manner. The best thing is that everything is system driven and convenient. Everything gets done through the app.

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Shankar
Distributor of air conditioners

Sri Sathya Sai Marketings

It was difficult to get unsecured loans from banks. But, the Capital Float experience was very good. They took all my information online and I got my funds within 4 days. The interest rates were also much lower than compared to other banks.

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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Max:

Tenure (months)

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Interest Rate (%)

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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 SMEs face in acquiring financing from traditional banking institutions. We also know how important it is to have a steady cash flow to stay one step ahead of the competition and make the most of every growth opportunity. This is why we have designed small business loans, specifically for the financing needs of SMEs and MSMEs in India. The benefits include: 

 

  • Easy online application process – No need for multiple visits to the bank or standing in long queues
  • Loan amount ranging from as little as ₹5 lakhs to as much as ₹50 lakhs, depending on the type of unsecured business loan you choose
  • Minimal paperwork
  • Customized credit underwriting criteria to meet the unique needs of different types of SMEs
  • Flexible repayment with loan tenures ranging from 6 months to 3 years, depending on the loan product
  • Low prepayment charges
  • Funds in 3 days

To be eligible for our short-term unsecured business loan, all you need is:

 

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

 

Businesses that can apply for our commercial financing include:

 

  • B2B and B2C services
  • Manufacturing services
  • Distributors

 

We do not need an extensive credit history or cumbersome documentation to evaluate your eligibility for our commercial loan. Our loan application process uses intelligent algorithms to evaluate your bank statements, GST returns and other relevant data to determine your eligibility to avail a loan from Capital Float.

If you wish to repay the amount before the loan tenure chosen by you, you are welcome to do so. You can repay your loan between 1 to 3 years, depending on your loan terms.