Core · the finance leg
Put every rupee
to work.
Park idle cash where it earns most. Raise working capital, fast. Move money across borders, cheapest. One desk, across regulated banks, NBFCs and bond platforms.
Every institution we read
90+ banks and every bond platform — read and refreshed daily.
Three money questions. One desk.
Got cash sitting idle?
Where it earns most across government, bank and corporate options.
See what the options pay
Need working capital?
Routed across regulated banks and NBFCs for the right fit, fast.
Get an indicative quote
Moving across a border?
The cheapest trade finance and FX across 40+ banks, locked today.
Price your deal
Got cash sitting idle? See what the options pay.
A side-by-side look at what government, bank and corporate options are paying for an amount and horizon like yours. Information only, so you compare and decide. We never earn more from one option than another.
Capera is not an investment adviser and this is not investment advice. See our Terms.
₹1 Cr · 365 days
Need working capital? Find the right fit.
Tell us what you need, or share a statement. We route across our network of regulated banks and NBFCs and bring you the indicative quote, usually within one working day.
We are not a lender. We are the routing layer. The lender pays us when a deal closes; you do not.
What you can ask for
Working capital finance
Cash credit, overdraft and short-term loans against your business cash flow.
Bill and invoice discounting
Cash advanced against an unpaid invoice from a credit-worthy buyer.
Inventory financing
Working capital against finished goods or raw material stock.
Warehouse receipt finance
Loan against commodities stored in a registered warehouse.
Channel and dealer finance
Short-term lines for your distributors so they buy more, faster.
Term loans
Capex finance for plant, machinery and growth investments.
Size your ask before you make it
Know the price of money, and exactly how much your book can carry, before the first conversation.
Cross-border deal? See the rate, then the real cost.
The live rate is the easy part. Where deals are won or lost is what banks add on top, the charges and commissions. We show the rate here, and price the rest on your own banks once you connect them.
The live mid-market rate, before any bank charges. The real price of the currency.
Rate unavailable right now.
What each bank adds on top: issuance and SWIFT charges, usance and bank-guarantee commissions.
Sign up to price the charges and commissions across 40+ banks on your own lines, and reveal the cheapest banks for your FX.
For information only, not investment or financial advice. The rate shown is the live mid-market reference; what each bank actually charges (spread, fees and commissions) is priced on your own banks once you connect them. See our Terms.
Not sure where you stand?
CashScan.
Upload a bank statement. We read it the way a lender will, in one day, and point you to the right lane: surplus to deploy, or headroom to raise against.
- Runway, receivables and debt-service coverage at a glance.
- Bounces, salary regularity and GST vs bank mismatch, all flagged.
- One shareable PDF for your banker or your CFO.
- Upload your last 3 months of statements, minimum. The longer the window, the sharper the read.
Asked often
- What is Capera Core?
- Capera Core is the finance side of Capera. It answers the three things a growing business does with money: park idle cash where it earns most, raise working capital, and move money across borders. It brings the rates, the comparison and the routing into one place, across regulated Indian banks, NBFCs and bond platforms.
- Where should I park surplus cash for a few months?
- Core shows you, side by side, what government securities (G-Sec / T-bills), bank fixed deposits and corporate bonds are paying for an amount and horizon like yours, organised safest to highest-yield. It is information to help you compare, not advice. Capera is not a registered investment adviser; you should do your own research and an adviser vets any allocation before it is acted on.
- How much working capital can I raise, and at what rate?
- You tell us what you need, or share a bank statement, and we route your case across our network of regulated banks and NBFCs. Indian lenders price the same business very differently by sector, tenor and their own appetite, so we place it where it prices best and bring you the indicative quote, usually within one working day. You see the options and choose; we are not a lender.
- How do I get the cheapest trade finance and FX on a cross-border deal?
- Core's trade-finance pricing engine compares the all-in cost of letters of credit, bank guarantees and FX across 40+ banks so you can see who prices your specific deal best, and check a forward quote or lock today's rate. It is a comparison tool, not advice.
- What is CashScan and how does it work?
- CashScan is a one day read of your business from a bank statement. You upload at least three months of statements; an analyst reads them the way a lender will and sends back a single PDF covering runway, receivable concentration, debt service coverage, bounces, salary regularity and GST versus bank mismatch. It also points you to the right lane: surplus to deploy, or headroom to raise against.
One desk
Put your money to work.
One desk for idle cash, working capital and cross-border. Across regulated banks, NBFCs and bond platforms.