Optimo Capital is India's 1st digital LAP platform - Fast Approvals Great Rates Flexible Tenures

A Loan Against Property (LAP) is a secured loan where you pledge your property as collateral. It can be used for personal or business needs like expansion, education, or debt consolidation. Your property remains with you, but acts as security until the loan is repaid.

LAP offers high loan amounts at competitive interest rates, thanks to the secured nature of the loan. It also comes with flexible tenures and can be used for multiple financial purposes—ideal for asset-rich individuals and businesses.

You must be an Indian citizen aged 21 or above with a stable income—either salaried, self-employed, or a business owner. A minimum of 2–3 years of income continuity and clear ownership documents for the pledged property are required.

Residential, commercial, and industrial properties are generally eligible, as long as they have a clear legal title and are free from disputes or existing mortgages. For jointly owned properties, all co-owners must be co-applicants.

You can pledge self-owned residential homes, apartments, commercial offices, or industrial units—provided they are free of legal or financial encumbrances and have valid ownership documents.

Yes. Your credit score plays a key role in loan approval. A good score improves your chances of approval and better terms, while a low score could lead to stricter conditions or rejection.

We take a 360° view—assessing income stability, cash flow, repayment capacity, and financial behavior through data-backed insights and alternative indicators.

You can apply online, visit an Optimo Capital branch, or contact our support center. Submit your business details, funding needs, and documents to receive a tailored loan offer.

Loan approvals typically take a few business days after all required documents are submitted and verified.

An In-Principle Sanction is a provisional loan approval issued based on the initial details you provide. It means you're eligible for a loan subject to successful verification of your documents and property.

No. We use soft checks or proxy evaluation tools at this stage, which do not impact your credit score.

Not yet. An in-principle sanction is a positive indicator, but the final approval depends on successful verification of your documents, credit history, and property valuation.

We follow a 'Phygital' model—combining physical touchpoints with digital efficiency to provide a seamless and personalized lending experience.

We're committed to customer-first solutions with quick disbursals, flexible repayment options, and minimal documentation—making funding accessible and hassle-free.

Our portfolio includes Loans Against Property, Business Loans, Working Capital Loans, and Business Development Loans—tailored to meet a range of financial needs.

Yes. We offer simple and fast LAP balance transfers at competitive rates to help reduce your EMI burden or switch to better terms.

We currently serve MSMEs across Karnataka, Tamil Nadu, Telangana, Andhra Pradesh, and Madhya Pradesh.

Absolutely. First-time business owners are welcome, as long as they meet the eligibility requirements.

A We offer quicker approvals, flexible repayment plans, and personalized support—tailored specifically for MSMEs, unlike the rigid processes of traditional banks.

Missed payments can affect your credit score and lead to penalties. However, we offer multiple repayment options—including the Airtel Cash Drop facility for easy EMI payments at any Airtel outlet.

Yes. We offer customized repayment schedules based on your business cash flow, helping you manage your finances more efficiently.

Just call us at +91 79967 96796 or email us at [email protected] for assistance with updates.

You can contact us via our website, email, phone support, or by visiting an Optimo Capital branch.

Yes. Reach our dedicated support team at +91 79967 96796 for any help you need.

Yes, write to us at [email protected] and our team will assist you promptly.

Use the branch locator on our website or contact support for directions.

If you're facing repayment issues, contact our support team immediately to discuss restructuring or available support options.