UGRO Capital is India's MSME growth partner, offering both secured and unsecured business loan products and loans against property with minimal paperwork, fast approval and swift disbursal.
As we welcome the auspicious season of Diwali, UGRO Capital offers business lending solutions for MSMEs with minimal documentation, fast approval and disbursal, so they can make the most of this season and never miss a festive order.
Pledge your residential or commercial property to generate funds, from working capital needs to making asset purchases for your business with UGRO Capital's Loan Against Property (LAP). Get substantial, long-term credit with easy approval process and manageable repayments.
6.3 crore Indian MSMEs drive Bharat's growth forward. They account for 1/3rd of the country's GDP and employ 11 crore people. But they still struggle to get a small business loan because traditional lenders follow age-old paperwork and loan evaluation criteria.
UGRO Capital was built to close that gap. Our proprietary DataTech engine uses your financial data, like cash flows, GST and bureau signals to generate GRO Scores and offer timely MSME loans to help small businesses scale efficiently.
We have built 3 business lending products to address your working capital, expansion and machinery needs. Our products include loan against property, embedded merchant finance and machinery & equipment finance.
Growth Engine 01
Secured lending against property to help you expand your business, open a new outlet, or purchase land.
Growth Engine 02
Credit at the point of business for platform merchants to help them purchase stock, pay supplier bills, or handle urgent cash needs.
Growth Engine 03
Buy or upgrade machinery, up to ₹3 Cr, to add to your manufacturing capacity with no extra collateral.
We rebuilt our business lending workflow to help you avoid branch visits, endless document submission and delays in loan approval, just a clean four-step journey from MSME loan application to funds disbursal in your account.
2-minute online form. Or drop into one of our 300+ branches.
GRO Score reads GST, bank flows and bureau data in real time.
Sanction inside 72 hours for most MSME profiles.
Money in your account, straight into the business.
We don't ask for years of financial records. Our GRO Score reads the data your business already generates like GST filings, bank transactions, repayment history, to decide your MSME loan eligibility in minutes.
Businesses like yours typically get a decision in and sanctions of .
This is an illustrative estimate, not a loan offer or credit decision.
Get your actual GRO Score, apply nowPatented in India. Now on its third version, GRO Score 3.0.
Our proprietary GRO Score 3.0 underwriting models are built on deep, sector-specific data across nine high-growth verticals of the Indian economy, each broken into 180+ sub-sectors.
SEC_01
Diagnostics & Care
SEC_02
Ed-Tech & Institutions
SEC_03
Industrial Compounds
SEC_04
Supply Chain Tech
SEC_05
Travel Infrastructure
SEC_06
Power Systems
SEC_07
Future Mobility
SEC_08
Advanced Robotics
SEC_09
Small Business Credit
India By MSME Conversations is our video series that highlights our belief that the country's 79 million small businesses deserve the same credit access as anyone else. Here we talk to the people reducing the business lending gap, one MSME, one banker, one policy at a time.
UGRO Capital
Watch →
UGRO Capital
Watch →
Free Press Journal
Watch →
Amar Ujala – The Bonus
Watch →
NDTV PROFIT
Watch →
Zee Business
Watch →
Money9
Watch →
Simple Hai! with Vivek Law
Watch →UGRO Capital partners with multiple lenders to offer both secured and unsecured business loan products with 100% online application, minimal documentation, fast approval and disbursal.
India's biggest government-owned bank, helping us give you lower interest rates and safe backing.
A leading public sector bank that teams up with us to provide larger funds for growing businesses.
A trusted government bank focused on lending to local traders and small businesses.
A specialised private lender with 25+ years experience giving small loans to neighbourhood small retailers and businesses.
A fast-moving private lender that offers loans with minimal paperwork, so you get the funds without delay.
A private commercial lender that helps provide working capital and business loan for transport operators and factory businesses.
Part of the trusted Tata Group, offering clear terms and reliable business lending to help your company expand.
A leading private finance company that makes it easy for business owners in smaller towns to get credit.
Backed by the trusted Godrej brand, offering simple and honest loans to build long-term business assets.
A central government institution set up specifically to help small businesses grow across India.
A major private financial group that provides flexible loans built around your daily business sales.
