Razorpay Capital - B2B Lending platform for SMEs

Levelling the field for
growing businesses

Applying to traditional banks and lenders can be disappointing with unrealistic approval requirements and fixed repayment terms.

Razorpay Capital is designed to make it easier for businesses to get financed and grow.

A long business history orhigh credit scores are not a must.

Clear pricing, low interest rates, andzero collateral or personal guarantees.

Flexible repayment options tailored to your business needs.

Save more on business expenses by using RazorpayX Corporate Card. Get higher credit limits without fixed deposit and access exclusive rewards relevant to your business.

Available for all registered businesses, you get a dynamic credit limit that grows with your business.

Get unlimited add-on cards with desired controls to ensure your team expenses stay under budget.

Launching soon

Business Loans

Working capital needs solved for Razorpay customers. Business financing up to ₹2 Crores.

100% digital

24*7 support

Collateral-free

Expert credit consultation

Learn More

Instant Settlements

Avoid slow settlements that can cause operational gaps for your business. Razorpay Instant Settlements enables you to have a cash-like sales collection to pay your vendors, employees and financiers without delays.

On-Demand Settlements

Settle customer payments in under 10 seconds with just one click at any time, any day including holidays

Same-day Settlements

Get your digital payments in hand automatically in less than a day.

Custom Settlements

Decide your settlement cycle as per your cash flow requirements

Route Settlements

Transfer digital payments same day to your partners through Route payments

Learn More