Flexible working capital solutions with daily percentage repayments based on your digital sales.
Bridging the gap between traditional lending and modern business needs
SmartCapital specializes in providing short-term business loans tailored for MSMEs transitioning to digital payments. Our innovative merchant cash advance model offers flexible repayment options that align with your daily cash flow.
With deep expertise in MSME lending and a focus on businesses in Mumbai and Bangalore, we're building the future of working capital financing for the digital economy.
Mission: To democratize access to business capital through technology-driven solutions that understand the unique needs of modern MSMEs.
Specialized financing for various MSME sectors in Mumbai and Bangalore
Quick working capital solutions designed for your business growth
Our short-term business loans are specifically designed for MSMEs who need quick access to working capital. Unlike traditional loans with fixed EMIs, our merchant cash advance model allows you to repay based on your daily sales, making it perfect for businesses with fluctuating cash flows. Get funds within 24-48 hours with minimal documentation.
Transparent pricing with flexible repayment options
| Loan Amount | Rate of Interest (Monthly) | Repayment Tenure | Daily Repayment | Processing Fee |
|---|---|---|---|---|
| ₹50,000 - ₹1,00,000 | 3% | 90 - 120 days | 6% - 12% of daily sales | 2% + GST |
| Parameter | Details |
|---|---|
| Advance Amount | ₹50,000 |
| Rate of Interest (Monthly) | 3% |
| Gross Repayment | ₹56,000 |
| Repayment Tenure | 120 days |
| Yield (Annual) | ~50% p.a. |
| Daily Repayment | ₹450 |
| Processing Fee | ₹1000 + GST |
Experience the difference with our customer-first approach
Get approved within 24-48 hours with minimal documentation and fast disbursal
Repay based on daily sales percentage - no fixed EMIs that burden your cash flow
No hidden charges or surprise fees - clear and upfront pricing structure
Seamless integration with your POS and payment gateway systems
Personal relationship manager for all your queries and support needs
Deep understanding of MSME challenges with tailored financial solutions
Get answers to common questions about our business loans
A Merchant Cash Advance (MCA) is a financing option where you receive an upfront sum in exchange for a percentage of your future digital sales. Unlike traditional loans, repayment is tied to your daily sales volume, making it flexible for businesses with variable income.
Once approved, funds are typically disbursed within 24-48 hours. Our streamlined process and minimal documentation requirements ensure quick access to working capital when you need it most.
That's the beauty of our model! On days with lower sales, your repayment amount automatically adjusts downward. You only pay a percentage of what you actually earn, ensuring cash flow is never strained.
No, our merchant cash advance is unsecured. We don't require collateral or personal guarantors. The advance is secured against your future digital sales receivables.
We integrate with all major payment gateways including Razorpay, PayU, CCAvenue, and POS systems from major providers. Our team will help set up the integration seamlessly.
Yes, early repayment is allowed without any prepayment penalties. This can help you save on the total cost of the advance.
We require a minimum CIBIL score of 650. However, we also consider other factors like business performance, cash flow patterns, and digital payment history in our assessment.
No, we believe in complete transparency. All costs including the factor rate and processing fee are clearly disclosed upfront. There are no hidden charges or surprise fees.
Ready to accelerate your business growth? Contact us today
We respond to all inquiries within 2 hours during business hours. For urgent needs, call us directly.
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