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Restaurant financing at your fingertips

The higher purchasing power of working professionals has triggered an increase in expenditure on food. Enterprising restaurateurs are opening establishments at a frenetic pace, which is being matched by a surge in card-based payments and a rise in running costs.

Mindful of the working capital needs of ambitious entrepreneurs, Capital Float launched loans against card swipes. A restaurateur can avail up to 300% of their monthly sales from POS machines. These collateral-free loans are disbursed in 3 days and can be used for the upkeep of the establishment or for further expansion.

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Loan Amount

₹2 lakhs - ₹1 crore

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Credit Criteria

Up to 300% of monthly card settlement

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Loan Tenure

9 to 18 months

HOW IT WORKS
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APPLY

Apply anytime, from anywhere in just 10 minutes.

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Upload

Minimal documentation required. Upload scanned copies of the required documents and you’re done.

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Avail

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

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Repay

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

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APPLY

Apply anytime, from anywhere in just 10 minutes.

...
Upload

Minimal documentation required. Upload scanned copies of the required documents and you’re done.

...
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

At Capital Float, we know how important adequate cash flow is to run a successful restaurant. There are fresh ingredients to be bought, skilled chefs and staff to be hired, logistics to pay for, menus to be expanded and more. This is why we have created an easy loan product that allows you to get the required restaurant financing basis your sales via credit/debit card payments. The entire application process takes under 10 minutes and the loan is disbursed within 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
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TESTIMONIALS
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Shankar
Retailer of garments

Aakash 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.

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Deepak Jain
Retailer of crocker

Deepam

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

Loan Amount

Min:
Max:

Tenure (Months)

Min:
Max:

Interest Rate (%)

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Max:

*For a 30 day month

Your Daily Installment

₹ 0

ELIGIBILITY
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Business History

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

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Financials

Annual turnover of at least ₹20 lakhs

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Card Volume

Minimum monthly card volume of ₹2 lakhs

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Card History

Minimum card acceptance vintage of 6 months

FREQUENTLY ASKED QUESTIONS

A restaurant business isn’t only about preparing and serving delicious food to customers. We, at Capital Float, understand just how important adequate cash flows are to ensuring a daily supply of fresh ingredients, hiring talented chefs and courteous staff, planning logistics, etc. We also understand how difficult it is to get working capital loans from traditional banks. Therefore, we’ve come up with an innovative solution – a loan product based on the credit/debit card payments. 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 instalment.

We have partnered with multiple point-of-sale (POS) card machine vendors, such as Pine Labs, Mswipe, ICICI Merchant Services, Posnet, Bijlipay and more. These partnerships aim to help you access our customized working capital solution.

You can get working capital loans against POS card swipes and use the amount to expand your business, maintain your inventory, open more branches – 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 restaurant business loans against card receivables is as simple as 1, 2, 3:

  1. Click on “Apply Now.”
  2. Fill in the loan application form in just a few minutes.
  3. 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 just 3 days.

Our customized, collateral-free credit solution for cash advance for restaurant owners ensures that you aren’t burdened by any part of the loan process; from application to repayment. This is why we only require 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