153+
Loans disbursed
152+
Customers served
24 hrs
Avg. approval time
2%
Monthly interest
Why R FinCap
Banking built for people who were told "sorry, you don't qualify."
Quick disbursal
From application to approval in 24 hours — no queues, no delays.
Minimal documentation
Just your Aadhaar, a photo and basic income proof. That's it, truly.
Doorstep EMI collection
Our officers come to your home — daily or monthly, whichever suits you.
Transparent pricing
2% per month flat. 1.5% processing fee. Nothing hidden, ever.
Business loan
Capital that respects your hustle.
For shopkeepers, traders, tailors, mechanics and home entrepreneurs — a straightforward loan designed for the way small businesses actually run.
- Up to ₹2 lakh
- 2% per month flat interest
- 1.5% processing fee
- 5 to 20 month tenure
- Doorstep EMI collection
- No pre-payment penalty
- Minimal documentation
- Approval in 24 hours
Simple process
Four steps. Zero hassle.
- 01
Apply online or visit us
Fill a short form online or visit our office.
- 02
Field verification visit
A field officer visits to understand your business and completes verification.
- 03
Quick approval
Transparent decision within 24 hours. 1.5% processing fee charged upfront at approval.
- 04
Disbursal + doorstep EMIs
Loan credited to account. Agent visits daily or monthly for EMI collection, as per the customer's choice during the application process.
Refer a Neighbour
Introduce a neighbour to honest credit.
Trust travels faster than advertising in a small town. If you know a shopkeeper, farmer or trader who could use a loan on fair terms — share your referral code.
🎁 When their loan is disbursed, you unlock a surprise discount code redeemable on your next R FinCap loan. Amount? That's a surprise — revealed when you redeem.
Step 1
Tell them about us
Step 2
Share your code
Step 3
Unlock a surprise discount
Our impact
Small loans today, sustainable development tomorrow.
Every business we fund advances at least four of the UN Sustainable Development Goals. Microfinance is not charity — it is dignity with a repayment schedule.
No Poverty
Accessible working capital for the lowest-income entrepreneurs.
Gender Equality
A majority of our borrowers are women running home businesses.
Decent Work & Growth
Funding small enterprises that create local employment.
Reduced Inequalities
Serving the unbanked whom banks routinely turn away.
Real stories
From our neighbours, in their words.
Names and photos hidden at our customers' request.
"I borrowed ₹45,000 to buy a sewing machine. My daughter is in school now — because of this loan."
Verified customer
Tailor, Ashoknagar
"They came home, explained everything in Hindi, no hidden charges. My kirana store doubled in six months."
Verified customer
Shopkeeper, Ashoknagar
Before you apply
Know exactly what you'll pay.
EMI Calculator
Plan your loan
Interest: 2% per month (simple) · Processing fee: 1.5%, charged upfront on approval
Monthly EMI
₹ 6,000
Processing fee
₹ 750
Total interest
₹ 10,000
Total payable
₹ 60,000
Amount shown excludes the 1.5% processing fee which is charged upfront when your loan is approved.