| Interest rate | 2% per month onwards |
| Loan amount | Up to Rs 15 lakh |
| Repayment tenure | Up to 3 years |
| Processing fee | 2% of the loan amount |
Business loan interest rates start from 2% per month with Mcapital Growth.
Mcapital Business Loan
Mcapital offers collateral-free business loans to small and medium enterprises (SME) for loan amounts of up to Rs 15 lakhand repayment tenures of up to 3 years. Mcapital business loan interest rates start from 2% per month. Along with small business loans, it also offers POS loans (Loan Against POS Receivables/ Retailer Loan). Borrowers availing POS loans also get a POS machine....
Mcapital offers collateral-free business loans to small and medium enterprises (SME) for loan amounts of up to Rs 15 lakh and repayment tenures of up to 3 years. Mcapital business loan interest rates start from 2% per month. Along with small business loans, it also offers POS loans (Loan Against POS Receivables/ Retailer Loan). Borrowers availing POS loans also get a POS machine.
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Curated Offers from 20+ Lenders
Unsecured Loan
Term Loan & OD Facilities Available
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4.5/5
15.5L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Get Cashback of ₹1,000* on Loan Disbursal
Valid till 31st March '26*T&C Apply
Get Business Loan
Avail up to ₹1 Cr starting at 13%
4.5/5
15.5L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Best Loan Offers
Curated Offers from 20+ Lenders
Unsecured Loan
Term Loan & OD Facilities Available
Expert Advice
Guidance & Assistance
Top Up Facility
Loan to Get Additional Funds
Find Best Business Loan Offers
HDFC Bank
Max Loan Amt.Upto ₹75L
Rate of Interest10.75% - 28%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
ICICI Bank
Max Loan Amt.Upto ₹50L
Rate of Interest13.25% 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
Axis Bank
Max Loan Amt.Upto ₹75L
Rate of Interest15% - 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
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Calculate your Business Loan EMI Online
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₹
1L1Cr
8%30%
1Y 20Y
Your Monthly EMI Payment
₹0
Principal Amount₹0
Interest Amount₹0
Total Amount₹0
How Can I Apply for a Business Loan Online?
Get up to ₹1 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Enter OTP to verify your mobile number.
Step 3: Provide your personal details.
Step 4: Select a bank account for account aggregator consent.
Step 5: Compare offers and apply for the best-suited loan.
Mcapital Business Loan Highlights
Interest rate of Mcapital Business Loan
Fees and Charges of Mcapital Business Loan
Processing Fee
Mcapital charges a processing fee of up to 2% of the loan amount.
Prepayment Charges
| Small Business Loan | 5% of the outstanding amount +GST |
| Loan Against POS Receivables | 5% of the outstanding amount +GST |
Other Fees and Charges
| Particulars | Small Business Loan | Loan Against POS Receivables |
|---|---|---|
| Penal Charges for Cheque/NACH bounce | Rs 750 + GST | Rs 750 + GST |
| Late payment fee | Penalty for late payment of EMI- 5% per month on EMI amount from the due date till the date of repayment of EMI.
|
Rs. 100 per day and charges @5% per month on EDI with a maximum 3 days grace period in a month if it is within the grace period limit |
| Change in repayment mode charges | Rs 600 + GST | Rs 600 + GST |
| Duplicate NOC Issuance charges | Rs 600 + GST | Rs 600 + GST |
| Issuance of physical statement of account | Rs 600 + GST | Rs 600 + GST |
| EMI Pick up charges | Rs 600 + GST | Rs 600 + GST |
| Loan cancellation & Rebooking charges | 5% of principal outstanding or INR 1000/- whichever is higher | 5% of principal outstanding or INR 1000/- whichever is higher |
| Furnishing Cibil copy | Rs 600 + GST | Rs 600 + GST |
| Duplicate Repayment schedule | Rs 600 + GST | Rs 600 + GST |
Types of Mcapital Business Loan
Small Business Loan
Loan Against POS Receivables (Retailer loan)
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All Your Needs
Mcapital Business Loan Eligibility Criteria
- Indian resident
- Good credit score (the NBFC has not mentioned the cut-off for credit score)
- Businesses should accept payments using Mcapital POS or QR code
- Age: Should be between 25 to 60 years
Along with the above mentioned business loan eligibility criteria, Mcapital may also consider the age, income and other important factors of its business loan applicants as used by other lenders to evaluate the eligibility of their applicants.
Mcapital Business Loan Documents Required
- KYC Documents such as Aadhaar card, PAN Card, Voter ID or Driving license
- Business proof documents
- Bank details
How Can I Apply for a Business Loan Online?
Get up to ₹1 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Enter OTP to verify your mobile number.
Step 3: Provide your personal details.
Step 4: Select a bank account for account aggregator consent.
Step 5: Compare offers and apply for the best-suited loan.
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