Empowering Small Traders with Instant Capital

PeerCapital is a digital micro-lending platform that connects individual investors with small traders and vendors. We facilitate short-term working capital loans (₹5,000 - ₹25,000) with instant disbursal and automatic repayment through UPI eNACH.

Investors typically earn 12-18% annual returns through daily micro-loans. Returns depend on the loan amount, tenure, and vendor performance. All returns are auto-credited to your wallet.

Repayments are automated through UPI eNACH (electronic National Automated Clearing House). The loan amount plus interest is automatically debited from the vendor's bank account at the agreed time (usually end-of-day). No manual follow-ups needed.

The minimum investment starts at ₹50,000. You can allocate funds across multiple vendors to diversify risk. Our platform recommends optimal allocation based on vendor performance and credit scores.

All vendors undergo digital KYC verification (Aadhaar, PAN, business proof). Our AI-powered credit scoring engine evaluates their business performance, transaction history, and repayment behavior. Only verified vendors are approved for lending.

With UPI eNACH, repayments are automatic, reducing default risk significantly. In case of insufficient funds, penalties are applied, and the vendor's credit score is impacted. Our admin team escalates with recovery procedures. We maintain a 98% repayment rate.

Yes, we operate under RBI's regulatory sandbox framework and partner with licensed NBFCs for compliance. All transactions are secure, encrypted, and fully auditable.

Digital KYC verification is instant through Aadhaar and PAN. Admin approval for lending/borrowing typically takes 24-48 hours after document submission.