Short Term Finance for Small Businesses

Whether you’re a B2B service provider, manufacturer, trader, or distributor operating on a wide-reaching scale, you need fast working capital that not only covers your operational needs, but helps expand and diversify your business too. Unfortunately, traditional lending institutions require extensive documentation before they decide to grant a loan of a significant ticket size. Add to that the inconvenience of long wait times before the loan gets accepted and the funds are disbursed. Avoid these unnecessary hassles with Capital Float’s ‘Term Finance’ which is ideal for SMEs with positive monthly cash flow and short-term investment requirements. This product packs all the benefits of an unsecured business loan with the added convenience of technology. With minimal documentation and speedy access to finance, you can fast-track your business growth and boost your profit margins. The online application form will only take a few minutes of your time. Click here to get started.


  • Loan amount from ₹5 Lakhs - ₹50 Lakhs

    We offer you wide loan range, so you can avail the optimum amount to fund your business requirements.

  • Customised credit criteria

    We understand that your requirements, resources and objectives are unique to your business. Therefore, we tailor our credit underwriting parameters as per the nature of your enterprise.

  • No prepayment charges

    Traditional lending institutions charge you a fee if you decide to pay off the loan earlier than decided, based on your remaining balance. With Term Finance, we charge no penalty for the same, which means, you no longer have to worry about closing your loan obligation ahead of the pre-decided date.

  • Loan tenure of 1 to 3 years

    Choose a flexible repayment option ranging from 12 months to 36 months according to the nature of your business and your cash flows. Our wide loan tenure ensures that you can opt for a finance option that is best suited for your enterprise.


  • Get working capital within 3 days

    In a fast-paced commercial world, timely access to funds has the power to unlock potential business opportunities. Therefore, we assess your creditworthiness in hours, and grant you a loan within 3 days.

  • Quick and simple application procedure

    You no longer have to make multiple trips to the bank or wait in queues. Get quick access to working capital finance from the comfort of your home or office. As long as you have a computer system with an internet connection or our handy app installed on your smartphone, you can apply for a business loan from wherever you are at any given time.

  • Collateral free loan

    Given the completely unsecured nature of Term Finance, you need not pledge any personal or business assets to secure a working capital loan. All we require from you is the listed documentation that you can digitally upload while applying for the loan.

Eligibility Criteria

SMEs that meet the following criteria are eligible for ‘Term Finance’

  • Your business must have minimum operational history of 3 years.
  • Annual business turnover must be over ₹1 crore or audited financials.

How to apply (Form)

  • Click on ‘Apply Now’
  • Fill in the 10-minute form
  • Upload the requested documents
  • Bank statements for the last 6 months
  • Await the best working capital finance offer that is tailored to your business

Documents Required

To ensure a quick, smooth application process, please ensure that you have digital copies of the following documents.

  • VAT returns for the last 12 months
  • ITR – Financial documents for the last 2 years
  • KYC documents of the applicant and the organisation
  • Bank statements for the last 6 months
  • Loans or overdraft sanction letters (if any)

Fees and Charges

At Capital Float, we pride ourselves on conducting business in the most transparent manner. For any loan you avail, we typically charge a processing fee of 2% of the availed amount. There are no hidden or pre-closure penalties during or after your application procedure.

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Businesses eligible for loans

B2B Services

Manufacturing Services


Loan process

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