Win Assured Cashback

Mcapital Business Loan

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.

Get Cashback of ₹ 1,000^* on Loan Disbursal

Valid till 30^th June '26 *T&C Apply

Get Business Loan

Avail up to ₹1 Cr starting at 13%

Google Play Store

4.5_/5

15.6L 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

Calculate your Business Loan EMI Online

Select Your Bank

Enter Loan Amount

₹

1L1Cr

Rate of Interest (Yearly %)

8%30%

Loan Tenure

1Y 20Y

Your Monthly EMI Payment

₹0

Principal Amount₹0

Interest Amount₹0

Total Amount₹0

Mcapital Business Loan Highlights

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

Interest rate of Mcapital Business Loan

Business loan interest rates start from 2% per month with Mcapital Growth.

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

Purpose: Mcapital small business loan is a collateral-free loan for entrepreneurs and newly established businesses to expand their businesses, meet capital requirements or renovate their existing business.
Loan amount: Up to Rs 15 lakh
Repayment tenure: 1 year to 3 years

Loan Against POS Receivables (Retailer loan)

Purpose: Mcapital offers loan against POS receivables or POS loans to businesses. Borrowers can use the loan amount to start a new business, stock inventory, etc.
Loan amount: Rs 50,000 onwards
Repayment tenure: 6 months to 1 year

Avail Business Loan For
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

Why Choose Paisabazaar?

Choose from 20+ Partner Banks/NBFCs

Pick from Secured & Unsecured Options

Get Working Capital & Top-Up Loan Solutions

Flexible Tenure of Up to 4 years

Explore Our Business Loan Lenders

Avail Business Loan For
All Your Needs

Business Loan Articles

GST Business Loan

Sushmita Mishra19 Jun 2026

25 Best Business Ideas for Ladies Sitting at Home in India 2026

Sushmita Mishra29 May 2026

What is a Business Loan in India

Sushmita Mishra15 May 2026

Factors Affecting Business Loan EMI

Sushmita Mishra05 May 2026

Unsecured Business Loans: Lenders Notice More Than Just Your Credit Score

Paisabazaar26 Aug 2025

Secured vs. Unsecured Business Loans: Which One Should You Choose?

Vandana Punj04 Apr 2025

How to Choose the Right Business Loan

Vandana Punj03 Apr 2025

MSME – Its Meaning, Classification, Loan Schemes, Role and Importance in India

Rahul Misra29 Jan 2025

Ways To Raise Capital For Your Startup Business

Rahul Misra29 Dec 2024

6 Reasons for Your Business Loan Application Getting Rejected

Rahul Misra01 Dec 2024

View All Articles

What our customers say

Business loan complex hotta h

Business loan thoda complex lagta h muhje, lekin Paisabazaar pe team ne sab steps simple bana diya muhje ache se support kiya. Thank you.

Meher SinghJan 22, 2026

Hassle-free Business Loan

I would like to take a moment to sincerely appreciate Rohit Kumar\'s (EW25946) continuous support and clear communication. Your timely responses, cooperation, and willingness to help have made a significant difference and contributed greatly to smooth coordination and successful outcomes. Your professionalism and positive approach are truly commendable, and it has been a pleasure working with you. Thank you for your dedication and for maintaining such effective communication throughout.

MD Gausar AlamJan 20, 2026

Business loan liya tha, interest acha mila

Muhje darr tha ki interest rate kahi lenders jda na charge krle, phir paisabazaar pe sahi interest rate milla. Mera credit profile dekh ke or bhi bht saare factors consider karke interest rate milla.

Mohit DasJan 15, 2026

Uncle ne bataya tha Paisabazaar ke baare mai

Mai online loans ke baare mai jada nhi janta, mere chacha ne bataya tha ki Paisabazaar se loan acha milta hai. Try kiya or asli mai bohot acha experience tha.

Raju RastogiJan 14, 2026

Boutique ke liye small loan liya tha

Boutique ke liye small loan liya tha. Small entrepreneurs ke liye bht important hota hai sahi jagah se loan lena. Paiabazaar ki team bohot helpful hai.

Vanni KumariJan 13, 2026

Loan approval ke chances dikhate h

Paisabazaar se business loan lo toh pata rehta h ki kaha loan approval ke chances jada hai. Isse thoda tension kam jata h rejection ka. Acha feature hai.

Sobhit GuptaJan 5, 2026

Advisors bohot ache the

Business loan thoda confusing hota h. Advisors ne sahi guide kiya. Thanks you.

Prakash MishraJan 4, 2026

Trusting platform

I take business loan from Paisabazaar two months before. very nice experience. No jhamela, only good work done. Thank you

Priya ShawDec 30, 2025

Chote business ke liye bhi loan mila

Chote businesses ko loan milne mai dikkat hoti hai lekin yaha mil gaya. Thank you for helping small business also. Good job keep it up.

Rupesh SharmaDec 29, 2025

Quick and easy steps

Business loan apply karne se pehle yeh sochke dar lagta tha ki bohot mehnat lagegi. Lekin mai toh surprise hi hogayi Paisabazaar ka simple or easy steps dekh ke. Itna smooth process tha ki bikul hi samjh nhi aaya kab loan approve hua or kab account mai paise agaye.

Ishita SinghDec 28, 2025

View All Testimonials

Written By

Vandana Punj

Reviewed By

Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

Check Best Business Loan Offers
with Quick Disbursal

Talk to Expert

Talk to Expert

Mcapital Business Loan

Find Best Business Loan Offers

Filters

Processing Time

Interest Rate

Processing Fees

Loan Amount