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M Capital

M Capital


Max Tenure

24 months

Best Rate

1.75% P.M

Processing Fee


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M Capital Business Loan

M Capital, the lending division of MSwipe, gives instant and easy business loans to SME retailers in India. The entire process is simple and hassle-free. Get ready to expand your business by applying for this loan at CreditMantri. Our loan application process is seamless and hassle-free.

M Capital Business Loans - A Snapshot

Affordable Interest Rates starting from 2% monthly

Quick response to your queries within 72 hours

Quick support at

Simple repayment options ranging from daily to monthly EMIs

MCapital Business Loan Products - Features

Small Business Loans:

A small business loan is a financial product tailored to meet the needs of a small or medium enterprise. Whether you are just starting your business or want to grow, a small business loan will give you access to the capital you require.

1. Features:

  • Flexible loan amounts up to Rs. 15 Lakhs
  • Reasonable interest rates.
  • Instant loan processing
  • Flexible business loan tenures - 12 to 36 months
  • Collateral-free loans according to eligibility
  • Pay EMI via Nach

2. Loan Against POS Receivables

Loan against POS receivables are loans taken by small business owners from lenders against future credit card and debit card swipes at the POS terminal.
  • Get a POS (Point of sale) machine with a business loan
  • Short tenure and flexible loans ranging from 6 to 12 months
  • Loans at competitive interest rates.
  • Daily repayment option for EMI via the POS device
  • Charge for one-time installation on the POS machine
  • Zero rent POS machine now at affordable MDR rates

3. M-Swipe Retail Merchant Loans

M-Swipe offers POS loans to startups to bring their business ideas to life in a way that is convenient for them. They will have flexible repayment options and need not submit a collateral.
  • Low-interest rates - MSME loans are offered by M-Swipe at competitive interest rates to ensure a hassle-free and smooth process. This will help you grow your business and help you implement your ideas with ease.
  • 24/7 customer support
  • the loan disbursal, customers get 24/7 support from M-Swipe. Your queries will be answered and resolved quickly.
  • Quick Approval: These loans are collateral free and you will get quick loan approval with minimal documentation.
  • Easy and Smooth Repayment Options
  • provides easy repayment options through point-of-sale machines. It allows its customers to enjoy the business development phase by offering them easy repayment options through MPOS machines.

What Are The Factors That Affect Small Business Loan Amount?

1. Credit score:

The credit score is an important factor that affects the small business loan amount. The higher your credit score, you will be eligible for higher loan amounts. This is because the lender will have confidence in your repaying capacity.

2. Financial Performance and Standing:

Lenders usually evaluate the financial health and performance of a small business based on its profit and loss account, income statement, balance sheet, and cash flow statements. Lenders use these documents to compute important financial ratios like debt-to-equity, liquidity, and operating margin.

3. Personal Loan Guarantees:

Many lenders ask the borrower to bring guarantors on board if there are several partners in the business or its ownership and management are separated.lender will review the financial statements of individual owners (submitted by the borrower) to make sure that they remain associated with the small business till the loan is repaid completely.

4. Insurance Information:

In addition to checking the personal guarantee of owners, lenders verify if the co-owners have brought life insurance policies. The life insurance policies are to ensure that the small business is not liquidated in case of a partner’s death.

5. Age of the Business:

Many small business owners prefer giving small business loans to small businesses that have been operational over a few years. You can avail quick, unsecured, small business loans from MCapital.

6. Collateral:

Lenders sanction huge loan amounts to small businesses with collateral. This is because, if they fail to repay the loan, they can sell the assets and recover the loan. But, many lenders allow small businesses to pledge stock, equipment, and like business assets as collateral. Companies like MCapital provide collateral-free business loans.

Simple Steps to Get An M-Capital Business Loan

Step 1: Fill in your name, contact, and KYC details.

Step 2: Submit the online application.

Step 3: Get online loan approval

Step 4: You will get the funds in 72 hours.


The M-Capital business loan is an easy and convenient way of funding your business initiative. With affordable interest rates, flexible tenures, and easy and smooth repayment tenures, M-Capital business loans bridge the gap between ideas for business and bringing them into reality.

FAQS M Capital Business Loan

1. What is the age limit to get a business loan?

The business should have a minimum annual income (ITR) of Rs. 1.5 Lakhs per annum. The applicant should be at least 21 years at the time of applying for the loan and should not be older than 65 years at the time of loan maturity.

2. Is there a processing fee for a business loan?

A processing fee starting from 2% of the loan amount plus GST at the prevalent rate has to be paid.

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