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Short-term credit for small businesses

Finance is the lifeline of any small business. In the absence or paucity of finance, small businesses, avail loans at exorbitant rates from informal lenders. Capital Float helps in solving these concerns by offering unsecured business loans at competitive interest rates. Small businesses can avail this finance within 3 days and achieve quick business growth.

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Loan Amount

₹1 Lakh - ₹10 Lakhs

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Credit Criteria

Tailored to your unique needs

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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

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SANCTION

Real-time approval on application and loan amount

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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

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SANCTION

Real-time approval on application and loan amount

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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

BENEFITS

Our business finance is designed to meet the day-to-day operational needs of self-employed individuals in India. Get the benefits of a business installment loan with the convenience of cutting-edge technology. The benefits include:

  • Simple online application
  • No collateral required
  • Loan amount in 3 days
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TESTIMONIALS
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Vikas Deghe
Siddhivinayak Medical and General Stores

I’m very happy as I received funds quickly from Capital Float. It solved my stock-keeping problem and I was able to grow my business by 20%.

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Manikandan Kuppusamy
proprietor of Sree Sayeenatha Borewells

I’m deeply grateful to Capital Float who provided me with quick and timely finance. This helped me make timely payments to my vendor. I hadn’t experienced this kind of speed earlier and was very impressed. The process was hassle-free and easy.

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Vinod
Manufacturer of fiber optic products

Advanced Fibre 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 processing fee of 2.5% of the loan amount is charged to the customer. The interest rate starts at a competitive 13% and is decided on a case-to-case basis. EMIs for various loan amounts can be evaluated using our EMI calculator.

Interest range 13%-19%

* Flat

Processing fee of 2.5%

Low prepayment charges

Flexible repayment

EMI Calculator

Loan Amount

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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 active GSTIN and minimum operational history of 2 years

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Financials

Annual business turnover of over Rs 40 lakhs

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GST

GST returns of your business for the last 12 months

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Bank Statements

Business banking account statements of the last 12 months

FREQUENTLY ASKED QUESTIONS

At Capital Float, we understand the difficulties small businesses face in acquiring financing from traditional banking institutions. We have designed a product that caters to the day-to-day operational needs of self-employed individuals. The benefits of availing unsecured business loans from Capital Float include:

  • Completely collateral-free loan
  • Simple, secure, online loan application process
  • Loan range between ₹1 lakh to ₹10 lakhs
  • Loan tenure ranging from 1 year to  3 years
  • Funds disbursed in just 3 days

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

  • The business history of at least 2 years
  • Annual business turnover of more than ₹40 lakhs
  • GST returns for the last 12 months
  • Business bank statements for the last 12 months

A business fulfilling the following criteria can apply for Business Loans

  • Any business filing GST regularly with an active GST registration of at least a year
  • business vintage for at least two years
  • A turnover of over ₹40 lakhs

 

We do not need an extensive credit history or cumbersome documentation to evaluate your eligibility for Business Loans. Our loan application process uses intelligent algorithms to evaluate your data and determine loan eligibility.

You can choose to repay your loan between 1-3 years. If you wish to repay the amount before the loan tenure chosen by you, you are welcome to do so. We only charge a minor prepayment penalty for foreclosure of the loan. Our aim is to help your business succeed.

Our customized, collateral-free credit solutions ensure that you aren’t burdened by any part of the loan process; from application to repayment. This is why we only need basic business documents, such as:

  • GST returns for the last 12 months
  • KYC documents of the business entity and the business owner/s
  • Business bank statements for the last 12 months
  • Loans or overdraft sanction letters (if any)