Working Capital Finance For SMEs

An unsecured business loan can solve cash flow problems, increase sales and profit margins for business owners. Traditional lenders may not be the most compliant finance option for SMEs, as they require heavy document and collateral in exchange for the loan. Additionally, low credit limits, high interest rates and monthly EMIs may deter short-term business growth. Capital Float offers tailor made loan products for small and medium businesses with features such as quick access to finance and collateral-free terms.

At Capital Float, we understand the different cash flow and credit requirements of merchants, retailers, suppliers, manufacturers, travel agents, radio cab drivers and small business owners. Therefore, we have created customized loans that take into account short and long-term investment requirements, loan tenures and SME-friendly repayment terms. Browse through our loan portfolio and choose the credit product that best suits your business requirements.

  • Term Finance
  • Online Seller Finance
  • Pay Later Finance
  • Merchant Cash Advance
  • Supply Chain Finance

Collateral free SME business loans with flexible repayment options, disbursed within 3 days to cover operational needs

Quick, customised business loans in India for eCommerce sellers, for purchasing stock or increasing inventory

A rolling loan product with a predetermined credit facility from which SMEs can make multiple supplier payments

Receive up to 200% working capital finance on your monthly sales from card machine swipes

Get an unsecured business loan amount of up to 80% of your bill value with one-time bullet repayment option


  • Customized credit criteria

    Credit underwriting parameters take stock of the nature of your business, scale of operations and revenue to create a unique offer.

  • Easy, convenient and quick application process

    You just need 10 minutes and a mobile, laptop or tablet to apply for an unsecured business loan.

  • No collateral/guarantor required

    Secure a working capital loan without presenting any collateral or guarantor.

  • Quick disbursal

    Our cutting-edge tech-integration and data-driven competencies allow quick assessment of creditworthiness and disbursal of working capital finance.

  • Flexible repayment terms

    Manage cash flows efficiently and cover the gaps in working capital expenditures with our easy and flexible repayment terms.

  • Loan tenures as per requirement

    You can opt for short term as well as long term unsecured business loans, depending upon your business resources and objectives.

  • No pre-closure charges

    You can close your collateral free business loan before the completion of the repayment period without incurring any additional charges or penalty.