MSMEs Served Across 5 States
MSMEs' Cumulative Disbursements
MSMEs' Supported Across Various Segments
Get instant business loans from 10 Lakh - 2 Crore* with long 7–15 years tenure.
Transfer your LAP up to 2 Crore with long 7–15 years tenure.
Already have a LAP? Get an additional loan up to ₹2 Crore* with long 7–15 years tenure.
Inspiring Journeys of Success.
My business cash flow is tight during bulk inventory purchases for my electric 2 wheeler assembly. When I needed funds to buy new equipment, Optimo Capital helped me get a loan against my commercial property without any stress. The quick approval kept my garage running smoothly.
Our store has grown from a small struggling bookstore to a full fledged smoothly running store because of Optimo Capital. I’ve been able to improve my store setup, and start notebook manufacturing under our brand as well as white labelling to serve more customers.
I’ve been running a coconut farm for years, but when I needed funds to upgrade irrigation, my house became the only asset I could rely on. Optimo Capital guided me calmly, handled everything professionally, and helped me get a LAP against my residence. That loan kept my farm running.
I had been trying for 2 years to get a loan to buy machines, but nothing was getting approved. Optimo Capital helped me with capital to buy the machines & I’m now able to produce 2x the output. Earlier, I could only make 1–2 pieces a week manually.
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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.
