Capera

Business credit in India,
priced honestly.

Term loans, working capital, trade finance and supply-chain finance — all priced off the repo-linked EBLR floor. We show the benchmark every lender starts from, so the spread is the only thing left to negotiate.

Lowest EBLR

6.00%

RBL Bank

RBI repo

5.25%

the EBLR anchor

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Business loans

Business loan interest rates in India

What banks actually charge on MSME and business loans right now — secured term loans are priced off the repo-linked EBLR, so the rate moves with the RBI. We show the ladder, neutrally.

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Working capital

Working capital loans in India: cash credit, OD & CC limits

Cash credit, overdraft and the CC limit that funds your operating cycle — priced off the same repo-linked benchmark as term loans. See the floor, and size your own limit.

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Trade finance

Trade finance in India: LCs, bill discounting & guarantees

How letters of credit, bill discounting and bank guarantees are priced in India — the instruments that move goods before the cash arrives, and what each actually costs.

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Supply chain finance

Supply chain finance in India: vendor & dealer financing

Anchor-led financing that lets a large buyer's strength fund its smaller suppliers and dealers — reverse factoring, TReDS and vendor/dealer programmes, explained.

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Business credit, in plain terms

What types of business credit does this cover?
Four lanes: business/MSME term loans, working capital (cash credit and overdraft), trade finance (letters of credit, bill discounting, guarantees) and supply-chain finance (vendor/dealer financing and TReDS). Each has its own page with how it's priced and who offers it.
Are these the exact rates I'll be charged?
No — bank business and working-capital loans are priced as a benchmark (the repo-linked EBLR or MCLR) plus a spread the lender sets for your profile. The ladder shows each bank's floor; your rate is that floor plus the spread.
Does Capera lend or arrange these loans?
No. Capera is editorial and neutral — we publish the benchmarks and explain how each product is priced so you can compare. We don't originate loans or take a commission that changes the numbers you see.

Neutrality guarantee

Prices you can't pay to move.

Capera is editorially independent. We may earn from the platforms and institutions we list, but a commercial arrangement never changes the price or yield we show you.