
SME & MSME Loans in India
Getting a loan from a traditional lending institution can be very tedious. Approvals can be challenging and funds are disbursed after weeks of waiting. Such delays can result in opportunities being missed.
In order to alleviate these problems, we have designed small business loans that cater to the working capital needs of SMEs and MSMEs in India. SMEs can now fulfil their financial requirements with our quick, simple and collateral-free loans for small business.

Loan Amount
₹5 lakhs - ₹50 lakhs

Credit Criteria
Customized credit underwriting

Loan Tenure
1-3 years
HOW IT WORKS

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.

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


TESTIMONIALS

Vinod
Manufacturer of fiber optic productsAdvanced 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.

Shankar
Distributor of air conditionersSri 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
ELIGIBILITY

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

Financials
Annual business turnover of over ₹1 crore

GST
GST returns of your business for the last 6 months

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
- Funds in 3 days
To ensure that under-served SME segments avail formal business finance, we’ve kept the eligibility criteria at a bare minimum. 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
Our small business loans are meant to finance any legitimate commercial expense. Usually, businesses seek our quick and easy loans to:
- Expand their business to a new location
- Renovate their office/shop/showroom space
- Purchase new equipment or upgrade technology
- Pay their staff and suppliers
- Replenish inventory
- Execute marketing campaigns
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:
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