Unsecured Business Loans Made Easy for Every Business in India
Get Unsecured Business Loans Up to ₹30 Lakhs – Low Interest, Easy Approvals & Made for SMEs & MSMEs!
Powered by OPEN | Trusted by 30 Million+ Indian Businesses
Business Loans up to ₹30 Lakhs in Minutes
Zero Collateral Needed
Fast & Simple Documentation
100% Online Application Process
Interest Rates starting from 1% Per Month*
Business Loans up to ₹30 Lakhs in Minutes
Zero Collateral Needed
Fast & Simple Documentation
100% Online Application Process
Interest Rates starting from 1% Per Month*
Business Loans up to ₹30 Lakhs in Minutes
Zero Collateral Needed
Fast & Simple Documentation
100% Online Application Process
Interest Rates starting from 1% Per Month*
Know the EMI for your Business Loan Before You Apply – It’s Free!
Move the slider to choose your loan amount and see how it helps your business grow.
Loan amount
₹20,00,000
Tenure
24 months
Interest Rate
15.5 %
Equated monthly installment
₹0
Total Payable
₹0
Monthly EMIs starting at just ₹2,166 per lakh*. Apply now to get an interest rate that is tailored for your business profile. profile.
Get Your Business Loan in 3 Simple Steps
Share Your Business Details
Enter basic details about your business and upload your bank statements for a personalized loan offer.
Complete Quick Verification
Upload your KYC documents for verification and select your preferred loan terms.
Receive Your Funds
Choose a comfortable repayment schedule. Sign your loan agreement online. Funds are transferred to your account in just 2-4 working days.
Built for Indian Business Owners Like You
Why OPEN Capital?
Quick Processing
- 5-minute application process
- Minimal paperwork
- Fast approvals
Flexible Terms
- Repayment periods of up to 60 months
- Customized EMI options
- No hidden charges
Trusted Partner
- ISO 9001:2015 certified
- 13+ leading RBI-licensed NBFC partners
- 30 lakh+ satisfied business owners
Zero Hassle
- No branch visits
- Dedicated loan advisor
- Complete online process
We’re committed to helping your business succeed. Our expert loan team will be with you at every step, offering personalized support to ensure the best return on investment for your business.
Who can apply on OPEN Capital?
We are a one-stop solution for all SMEs, MSMEs, and Small Business Owners across India.
Simple Requirements for Your Business Loan
Business Experience
Your business should be operational for at least 2 years.
Credit Score
A CIBIL score of 685+ is required to demonstrate financial stability.
Bank Statements
Your Bank statement for last 8-12 months is required.
Official Lending Partners
Trusted by Businesses, Backed by Data
₹7,000+ crore disbursed
10,000+ businesses funded
13+ NBFC partnerships
Present in 1600+ cities
Success Stories from Business Owners Like You
I started with a small store but saw huge demand in my area. Getting ₹15 lakhs from Open Capital changed everything. My new store is now 3 times bigger, with fresh vegetables and household items. Sales have gone up by 70%. From application to money in my account—everything happened in just 3 days. I'm planning to open another branch next year. Much thanks, guys!
Rajesh KumarGrocery Store Owner, Jhansi
Running a garment shop means working for long days. I could only apply for loans after closing my shop at 9 PM. Most banks and lenders wanted me to visit the branch in the morning, affecting my business. With Open Capital, I applied at night and got ₹20 lakhs approved by the next afternoon. I used the money to buy more stocks for wedding season collections.
Priya SharmaTextile Shop Owner, Coimbatore
Banks wanted property papers for giving loans. I don't want to mortgage my shop to get a loan. I reached out to Open Capital, and they simply looked at my GST Certificate, monthly sales data, and the shop Licence. My ₹7 lakh loan proposal was approved simply on the basis of my 3-year shop performance. I bought wholesale stock at better rates. My margins have now increased and customers get better prices, too.
Mohammed IrfanAuto Parts Dealer, Kanpur
We started with one small hub. I needed money to open two more branches but didn't want to sell my gold jewelry. Open Capital gave me ₹25 lakhs without any gold or property papers. Today, I own three smart market stores and have 15 employees. The best thing was that I could choose EMIs to match my monthly earnings.
Anita PatelSmart Market Hub Owner, Surat
During Teppam season, customers always want the latest phones or upgrade their old sets. However, distributors give better prices only on bulk orders. Getting ₹9 lakhs from Open Capital helped me stock quality phones at wholesale rates. The online process was so simple that it saved me a lot of time, especially during the morning business hours. My shop is now the best place for high-end phones in my area.
Ramesh SwamyMobile Phone Retailer, Madurai
Kitchen equipment costs were shooting up. I wanted to upgrade this Dhanteras but didn't have cash ready. Open Capital processed my ₹7.5 lakh loan through WhatsApp and email. No paperwork trips were needed. My business is thriving now. Ratings have improved, and monthly revenue has now grown by 37%.
Sunita SinghRestaurant Owner, Lucknow
Frequently Asked Questions from Business Owners
What is a business loan?
Open Capital's business loan offers fast access to funds ranging from ₹ 5-30 lakhs. Thousands of small business owners have taken these loans for inventory purchases, shop expansion, or managing day-to-day expenses. Rather than just concentrating on the property papers as in conventional bank loans, we at Open Capital look at the actual performance of your business. Our interest rates are as low as 1% monthly*, with flexible EMI options matching your business income cycles.
What are the documents required for a business loan?
For sole proprietorship businesses, we keep documentation simple:
Basic KYC:
PAN Card
Aadhaar Card
In addition to the above, any one business document from the below mentioned list is needed:
Udyog Aadhaar
MSME Certificate
Shop License (Gumasta)
GST Certificate
Trade License
Food License (for restaurants)
Sales Tax Registration
Municipal Corporation License
Import-Export Code (for traders)
Income Tax Returns
Who can get business loans?
We sanction business loans for sole proprietorship businesses. Our solutions cater to most Indian SMEs and MSMEs, including service providers, retailers, wholesalers, manufacturers, exporters, traders, and others.
Can I get a business loan without collateral?
Absolutely! We provide up to ₹30 lakhs without asking for collaterals like property papers, gold jewelry, or any assets as security. You only need a good credit score and healthy business performance to get started.
Am I eligible for a business loan?
As a sole proprietorship business owner, you can qualify if you have:
2+ years of active business operations.
Your CIBIL score is above 685.
Regular business transactions reflect in your bank account.
Final approval depends on your complete document submission and our standard credit checks.
How long does it take for a business loan to be disbursed?
Our business loan department processes the loan money directly to your bank account within just 48 hours of approval. In most cases, the complete process—from applying for a loan to receiving funds in the account—takes just 2-4 working days.
How much EMI do I need to pay?
Your monthly EMI varies based on three factors:
Loan amount (₹5-30 lakhs)*
Repayment period (12-60 months)*
Interest rate (starting at 1% monthly and reducing)*
Use our EMI calculator above to find a comfortable repayment plan for your business, or reach out to us at (email), and our dedicated customer support team will assist you better.
What is the maximum amount I can take through a business loan?
We offer loans up to ₹30 lakhs. Your approved amount depends on your business turnover, bank statements, and credit score. Many of our customers start with smaller amounts and qualify for higher loans after a good repayment history.
How long can I take to repay the loan?
We've got repayment plans ranging from 12 months to 60—as per your convenience. A longer tenure results in lower EMIs, while a shorter tenure translates to lower total interest costs. Align your payment tenure to best fit your business cash flow patterns for easy repayment.