Open capital

Business Loans

Upto ₹30 lakhs in 5 minutes.


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Businesses in India


Hassle-free loans up to 30 lakhs

No collateral or guarantee needed

Minimal Documentation

Fully online loan application

Hassle-free loans up to 30 lakhs

No collateral or guarantee needed

Minimal Documentation

Fully online loan application

Hassle-free loans up to 30 lakhs

No collateral or guarantee needed

Minimal Documentation

Fully online loan application

Happy place to apply for your loan

How much are you looking for?

Select your loan amount above and elevate your business.

Loan amount



24 months

Interest Rate

15.5 %

Equated monthly installment


Total Payable


*Starting at 1% monthly reducing interest rate. Apply now to know your exact EMI & interest rate.

Apply now in 3 easy steps:

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Enter your personal, business & bank details to get a fair loan offer


Accept the loan offer & complete your documentation & KYC


Choose from flexible repayment options and start receiving funds

Why Open Capital?


Apply in few minutes


Fast Approval


Tenure up to 60 months


Get money in 2-4 working days

no branch

No Branch Visit


An ISO certified company

Eligibility & Documentation

Who Can Apply?

Cigil score

CIBIL Score of 700 or higher

Business operation

Business operational for 2+ years

Bank statement

12 months bank statement

Official Lending Partners


Grievance Redressal Officer Mr. Amlan Singh

Grievance Redressal Officer Rashi Kataria

Grievance Redressal Officer Mr. Manish Lunia

Grievance Redressal Officer Ms. Deepika Rawat

Grievance Redressal Officer Priyanka Singh

What our customers have to say.


Navaratri to New Year is the busiest season for our business. I often face financial challenges during that time because there is always a high demand for our products. I applied for a 20 lakh loan and it was instantly approved. The money was credited to my account in just 2 days. The loan amount helped me stock up on inventory and maintain a healthy balance sheet. The interest rate is also affordable, and the flexible tenure helped me manage my cash flow smoothly.

Dhaval Patel - Sole Proprietor

Mahalaxmi Textiles, Gandhidham


I was looking to increase production and expand my distribution outside of Jalandhar when I came across Open Capital. I was initially hesitant to try, but I decided to go for it as no one else was willing to give me credit. I'm glad I did! The process was incredibly smooth and straightforward, and I received the 8 Lakh loan within 48 hours. The interest rates are also very competitive when compared to other lenders.

Bhupinder Pal - Sole Proprietor

BP Agro Farma, Jalandhar


I came across Open Capital's ads on Facebook while I was looking for a loan to upgrade my printer and a few other pieces of equipment. The application process was quick and easy - it only took me 20-25 minutes to complete it. I was approved for the loan almost instantly, and the funds were disbursed within one day. I would highly recommend Open Capital to any businesses who are looking for quick loans without any hassle.

Archana Iyengar - Sole Proprietor

Logos Printing Press, Madurai


What is a business loan?

At Open Capital, we understand that every business is different and has different financial needs. That's why we offer Business Loans that are designed to be flexible and customisable, so you can get the quick funding required to grow your business. Whether you're new to business, experiencing a slowdown, or need funds for any other purpose, our Business Loans can help you get the money when you need it the most.

What are the documents required for a business loan?

The documents required for Sole Proprietorship are listed below.

Sole Proprietorship

PAN Card

Aadhaar Card

Any 1 of the following business documents

Udyog Aadhaar

MSME Certificate

Gumasta License

Shops and establishment certificate

Trade License

Labour License

Food License

GST Certificate

Registration Proof

Regional state registration certificate

Municipal corporation department certificate or License

Sales and Income Tax returns

IEC (Import exporter code) issued by the office of DGFT

Registration document issued by sales/service tax authority

Who can get business loans?

We offer business loans to sole proprietorships.

Can I get a business loan without collateral?

Yes! You can get a Business Loan without any collateral or security.

Am I eligible for a business loan?

You are eligible for a Business Loan if you fall under the category of sole proprietorship. However, the loan approval depends on the proper submission of documents, the basis of your financial history and our internal credit policy.

How long does it take for a business loan to be disbursed?

The business loan is disbursed within 48 hours from the time of loan approval.

How much EMI do I need to pay?

Your EMI depends on the loan amount and the tenure you selected for repayment.

What is the maximum amount I can take through a business loan?

You can currently take a business loan for up to INR 30 Lakhs.

How long can I take to repay the loan?

You can take up to 60 months to repay your business loan.