Pre-approved merchants can start applying from the dashboard now

Step 1
Confirm eligibility
Click on the Loans tab in your dashboard and Confirm eligibility
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Step 2
Upload documents
Upload scanned copies of the required documents
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Step 3
Get your personalized offer
Get the loan amount in 3 days after submitting application
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Buy raw materials & stock
Pay for SaaS & marketing
Pay for logistics & warehouse
Pay salaries & other costs
For a growing company like ours, it is very important to continue to attract new customers and invest in innovation. We experienced a 40% decline in revenue due to Covid-19 lockdown but we couldn't afford to cut back on these essential expenses. I applied for a loan at Razorpay Capital and they did a fine job of processing and disbursing the loan quickly with great support throughout. With increased liquidity, we were able to bounce back to normality in no time thanks to Razorpay Capital.
Girish Khemnani
Owner, Market Insights

Simple pricing, no hidden charges

Starting at
1.25 %
Per month
Processing fee 1% to 5%
Loan amount
₹ 50,000 to 10 Lakhs
Tenure
3 to 12 months

Convenient Repayment Options

Get flexibility to pay in the installments of daily, weekly or monthly amount as a portion of your settlements. Choose your repayment option to suit your business.

Frequently Asked Questions

FAQ's

What is the Working Capital Loan?
What is the Working Capital Loan?

Working Capital loan is a business loan taken to cover operational needs of the business in the short term, typically 3 to 12 months. The loan can be used for different needs such as buying stock or raw materials, paying salaries, maintaining essential services, paying rent and logistics providers, and increasing capacity in the short term.

How do I apply for a Working Capital loan?
How do I apply for a Working Capital loan?

You can apply online through our merchant dashboard by going to the 'Loans' tab. You just need to upload a few documents and you will receive an offer in 3 working days from the time of application.

How can I increase my CIBIL score?
How can I increase my CIBIL score?

CIBIL score can be improved by paying loans in full with timely individual payments. Razorpay Capital can help you improve your credit score by getting loans that you can pay back on time automatically.

What is the interest on the working capital loan?
What is the interest on the working capital loan?

The interest rates start at 1.25% per month.

How do I pay back working capital loan?
How do I pay back working capital loan?

Razorpay helps you pay your loans in installments of daily, weekly or monthly amounts according to your convenience. You can pay them automatically as a percentage of your settlements.

What is the Working Capital Loan?

Working Capital loan is a business loan taken to cover operational needs of the business in the short term, typically 3 to 12 months. The loan can be used for different needs such as buying stock or raw materials, paying salaries, maintaining essential services, paying rent and logistics providers, and increasing capacity in the short term.

How do I apply for a Working Capital loan?

You can apply online through our merchant dashboard by going to the 'Loans' tab. You just need to upload a few documents and you will receive an offer in 3 working days from the time of application.

How can I increase my CIBIL score?

CIBIL score can be improved by paying loans in full with timely individual payments. Razorpay Capital can help you improve your credit score by getting loans that you can pay back on time automatically.

What is the interest on the working capital loan?

The interest rates start at 1.25% per month.

How do I pay back working capital loan?

Razorpay helps you pay your loans in installments of daily, weekly or monthly amounts according to your convenience. You can pay them automatically as a percentage of your settlements.

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