Looking for a Corporate Business Loan from Capital Small Finance Bank?

This page summarises the information you may need to make a sensible and sound decision.

Business Loans from Capital Small Finance Bank (CSFB)

Being one of the popular small finance banks in India, Capital Small Finance Bank offers a range of business loans to different segments of its customer base. In addition to these business loans, the bank also offers other financial schemes to its non-corporate customers.

Some of the business loans from Capital Small Finance Bank are:

  1. Loan Against Rent Receivables
  2. Mortgage Loan
  3. Pre-owned Vehicle Loan

We give you a brief introduction to the business loans below.

Capital Small Finance Bank Business Loan Against Rent Receivables

This loan is designed to help businesses meet the expenses of renovation, expansion or alteration to the premises rented or other business/personal needs related to the property. The maximum loan amount sanctioned under this loan is 60% of the future monthly rent for the period not exceeding 7 years.

Featured of Bank of Baroda Loan Against Rent Receivables

Why this Loan?

  • The Capital Small Finance Bank Loan Against Rent Receivables is the perfect corporate business loan to help landlords meet the expenses of alteration, addition or renovation to the premises but not for speculative purposes
  • The loan can be repaid through monthly rent as EMI for the unexpired period of lease
  • The maximum amount sanctioned under this loan is subject to the repayment capacity of the borrower

Capital Small Finance Bank Mortgage Loan (for Business)

This loan helps business owners raise capital towards expanding their business by availing a loan against property. The maximum loan amount depends on the repayment capacity of the borrower. However, for general purposes, the loan amount is capped at Rs. 25 lakh.


Features of Business Loan Against Property (for Business)

Why this Loan?

  • The loan is meant for you if you are looking for funds to set up your business, expand your business or for other needs
  • The repayment period for this Capital Small Finance Bank Business Loan Against Property is set on a case-to-case basis depending on factors such as the quantum of loan, repayment capacity of the borrower, etc.

Capital Small Finance Bank Pre-owned Vehicle Loan

This loan helps transport fleet owners to raise funds against their existing commercial vehicles. The maximum loan amount for this loan is 50% of the current market value of the vehicle.

Features of Pre-owned Vehicle Loan Scheme

Why this Loan?


Important Note: Even though the bank’s website has information available for three business loan schemes at this time, there is a possibility that the bank may offer more corporate loan options that are not yet published on the website. We suggest that you get in touch with the nearest branch to check the loan schemes they offer. This will also help you get a custom quote since many loan schemes are need-based and certain charges such as application charges, service charges, etc. may be decided on a case-to-case basis.

Interest Rate for Capital Small Finance Bank Business Loans

  • The interest rate for the Capital Small Finance Bank business loans is defined as the sum of One-year Marginal Cost of Funds-based Lending Rate (MCLR) and Product Spread
  • Product Spread depends on various factors such as quantum of loan, type of business, risk rating, nature of project, repayment period, structure of debt, etc.

Eligibility for Capital Small Finance Bank Business Loans

  • Individuals, Proprietors, Partnership Firms, Private Limited and Public Limited Companies can apply for these loans

Documents Needed for Individuals

  • Loan Application Form duly filled and signed by the applicant and co-applicant, if any
  • Two Passport Size Photographs of applicant and co-applicant
  • Personal ID Proof: Aadhaar Card, PAN Card, Passport or Driving License. PAN Card/ PAN Card Issue Letter is must
  • Signature Proof: PAN Card, Banker’s Verification, Driving License or Passport
  • Residential Address Proof (Any One): Aadhaar Card, Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income/Banking Proof: Last 6 months Bank Account Statement of applicant and co-applicant, Loan Statement of Running Loans, Latest Closed Loan NOC, Net Worth of the applicant and co-applicant
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report

Documents Needed for Proprietorship and Partnership Firms

  • Loan Application Form duly filled and signed
  • Partnership Deed and Partnership Registration Certificate
  • ID Proof of the Firm: Firm PAN Card or PAN Issuing Letter
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income Proof: CMA Data and Project Report, Debtors and Creditors Certificate, GST Return, Last 3 years ITR of applicant and co-applicant, Audited or CA Certified Computation of Income/Trading Account/Profit and Loss Account/Balance Sheet, Annual Audit Report and Tax Audit Report if audited, Form 16A if applicable, Net Worth of applicants, co-applicants and guarantors
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Partnership’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References

Documents Needed for Private Limited and Public Limited Companies

  • Application Form duly filled and signed
  • Company ID Proof: Company’s PAN Card
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Business Proof: AOA and MOA, Company Incorporation Certificate, Business Commencement Certificate, Board Resolution, CA/CS verified Share Holding Pattern, ROC Annual Return, DIN Certificate, List of Directors on Company Letter Head, GST Number, Form 32 in case of Director Change
  • Income Proof: CMA Data and Project Report, Last 3 Years ITR Acknowledgement copy of Company and all Directors, Last 3 Years Annual Credit Report or Tax Audit Report with Article 3CB, Article 2D, Article 3CD, TDS Certificate/Form 16A, Net Worth Certificate
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security: Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Company’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References

Reference Facts

  • Capital Small Finance Bank Website: www.capitalbank.co.in
  • Headquarters: Jalandhar, Punjab
  • Phone Number: +91 181 5051111, +91 181 5052222
  • Email: [email protected]