
Finance for merchants on sales via POS machines
If you accept credit/ debit card payments for your business, you are eligible for an extremely quick and convenient working capital loan. Capital Float offers loans against card swipes of up to 300% of your monthly sales via POS machines. These collateral free loans are disbursed within three days and can be used to finance the purchase of new inventory, clear supplier dues, pay staff salaries, etc.

Loan Amount
₹2 lakhs - ₹1 crore

Credit Criteria
Up to 300% of monthly card settlement

Loan Tenure
9 to 18 months
HOW IT WORKS

Apply
Apply anytime, from anywhere in just 10 minutes.

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
No manual Daily Installments; a proportion of every transaction on the POS machine is credited to your repayment.

Apply
Apply anytime, from anywhere in just 10 minutes.

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
No manual Daily Installments; a proportion of every transaction on the POS machine is credited to your repayment.
BENEFITS
With a simple, secure and quick online process, you can complete your loan application within 10 minutes. And, the entire loan amount is disbursed in just 3 days. Here are some important takeaways:
- These loans are collateral-free
- The loan amount ranges from ₹2 lakhs to ₹1 crore
- The loan tenure ranges between 9 - 18 months
- Quick and easy top-up or renewals can be availed


TESTIMONIALS

Shankar
Retailer of garmentsAakash Trading Company
Capital Float makes the process of taking loans so easy. With their informative staff and appealing rates, I’m certain I’ll achieve my target of 200 stores across the country.

Deepak Jain
Retailer of crockeryDeepam
The loan provided by them has helped me expand my business. My business has grown by 10-15%. It is easy to get a loan, there is less paperwork and less headache. I like Capital Float as they are friendly and fast.
INTEREST RATE, FEES AND Installment 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. Daily Installments for various loan amounts can be evaluated using our Installment calculator.

Interest range 15%-24%*
* Flat
Processing Fee of up to 2%

Low prepayment charges

Flexible repayment
Installment Calculator
ELIGIBILITY

Business History
GST registered business with an operational history of at least one year

Financials
Annual turnover of at least ₹20 lakhs

Card Volume
Minimum monthly card volume of ₹2 lakhs

Card History
Minimum card acceptance vintage of 6 months
FREQUENTLY ASKED QUESTIONS
You have given your customers the convenience of being able to go cashless. So, why not avail the benefit of accepting card payments. This credit solution offers finance for merchants in the form of loans against card swipes. The benefits include:
- A completely collateral-free loan
- A simple, secure, online loan application process
- Loan range between ₹2 lakhs to ₹1 crore
- Loan tenure ranging from 9 months to 18 months
- Funds disbursed in just 3 days
- Convenient repayment process via a portion of every payment credited towards your installment.
We have partnered with multiple point-of-sale (POS) card machine vendors, such as Pine Labs, Mswipe, ICICI Merchant Services, Bijlipay and more. These partnerships aim to help you access customized working capital solutions.
You can get working capital loans against POS card swipes and use the amount to expand your business, purchase inventory, open more branches, expand into new categories – in short, grow your business. We offer loans of up to 300% of your monthly sales from card machines. All you need to ensure is that your business fulfils some basic criteria, such as:
- Minimum operational history of 1 year
- Minimum annual turnover of ₹20,00,000
- Minimum monthly card volume of ₹2,00,000
- Minimum card acceptance vintage of 6 months
The process of applying for business cash advance in the form of a loan against card receivables is as simple as 1, 2, 3:
- Click on “Apply Now.”
- Fill in the loan application form in just a few minutes.
- Upload the requested documents.
Our smart algorithms will evaluate your eligibility for the loan and give you a response in just 5 minutes. If the loan is approved, you will get the loan amount credited to your business’ bank account in 3 days.
Our customized, collateral-free credit solution for merchants ensures that you aren’t burdened by any part of the loan process; from application to repayment. This is why we only need basic business financials, such as:
- 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