Explore financing opportunities for retailers, manufacturers, distributors and 99 Shakti members through participating lending partners.
99 Capital serves four eligible borrower categories. Choose the one that best fits your business.
Explore applicable financing opportunities for inventory, working capital and business expansion.
Apply as RetailerExplore applicable financing opportunities for working capital, raw materials, machinery and expansion.
Apply as ManufacturerExplore applicable financing opportunities for inventory purchases, working capital, warehouse expansion and business growth.
Apply as DistributorEligible 99 Shakti members can explore applicable financing opportunities through participating lending partners.
Explore 99 CapitalPull your bureau score anytime and see what's driving it.
Actionable, personalised steps to build healthier credit.
Short-term, personal, business and women-focused offers from our lending partners.
Start building credit with an FD-backed card from ₹5,000.
Pull your CIBIL / Experian score with a soft check that never impacts your credit. See exactly what's helping or hurting — payment history, utilisation, age, mix and enquiries — with plain-English explanations.
We look at every line in your bureau report and build a step-by-step plan. Most 99 Capital users see a 50-120 point lift in the first 6 months.
Payment history is 35% of your score. Automate EMIs so you never miss a due date.
If your card limit is ₹1L, never carry more than ₹30k. High utilisation drops your score fast.
Credit age matters. Keep your oldest card active with a small recurring bill on it.
A healthy blend of secured (home/car loan) + unsecured (card) improves your credit profile.
Every hard enquiry hurts a little. Apply only when you really need it — not more than 2-3 in 6 months.
Bureau reports often have errors. We help you flag and resolve them directly with the bureau.
Compare pre-approved offers from our lending partners — Banks, NBFCs and fintechs — matched to your bureau score and income. Full KFS with APR, tenure and processing fee shown upfront.
Multi-purpose EMI loans for weddings, medical bills, travel or big-ticket purchases.
1-4 week bridge loans for salary-day gaps, emergencies or urgent bills.
Working-capital, machinery and expansion loans for MSMEs and retailers.
Preferential rates and lower fees for women entrepreneurs and salaried professionals.
Fee, hostel and living-cost loans with student-friendly repayment options.
Apply, e-sign and get disbursed without a branch visit.
Most loans hit your bank within 24 hours of approval.
Full APR + total repayable shown before you accept — no fine print.
Build (or re-build) your credit story with a secured card. Your fixed deposit stays intact and keeps earning interest — the card gives you spending power today and reports to CIBIL every month.
Low entry barrier. The FD keeps earning interest while your card builds credit.
Since it's secured against your FD, there's no bureau check for issuance.
Every on-time payment reports to CIBIL — first-timers see 100+ point jumps in 6 months.
Get a limit up to 90% of your FD amount. FD stays yours; you earn FD interest + card rewards.
Selected partner variants come with reduced forex markup — great for online shopping.
After 12 months of clean usage you become eligible for premium unsecured cards.
* Variant-dependent. Final card features are decided by the issuing partner bank per RBI norms.
Five straightforward steps to check your credit, pick a product and grow your financial profile.
One-time signup with mobile OTP and email verification.
PAN + Aadhaar via authorised partners. Encrypted end-to-end.
See your bureau score with AI-powered insights.
Get partner offers matched to your credit profile.
Weekly / monthly repayments — build your credit story.
No. 99 Capital is a technology platform that helps you check your credit health and connects you with regulated lending partners (RBI-licensed banks and NBFCs).
The soft pull we run for you does not impact your credit score. Hard pulls only happen when you formally apply for a loan and give explicit consent.
Only for the services you consent to. You can revoke consent and delete data anytime from the Consent Management screen inside your dashboard.
A one-time platform/service charge payable to 99 Distributor. It is NOT a loan-approval fee. Financing decisions are always made by the applicable lending partner. Bank account details are validated via a penny-drop.
Bureaus like CIBIL, Experian, Equifax and CRIF use your repayment history (35%), credit utilisation (30%), credit age (15%), credit mix (10%) and new enquiries (10%).
Personal, short-term, business, women-focused and student loans. Amount and rate depend on your bureau score, income and product policy.
Once KYC + bank + e-sign are complete, most partners disburse within 24 hours. Short-term loans can go out the same day.
We use 256-bit encryption, tokenised storage of PAN/Aadhaar, RBI-aligned data localisation and OAuth-secured partner APIs (Karza, Razorpay).
Have a question about your score, a running loan or your FD card? Our support team is one message away.
If your issue isn't resolved within 7 working days, escalate to our Grievance Officer at grievance@99capital.in.
Get plugged into a curated pipeline of KYC-verified, credit-scored borrowers. We handle sourcing, onboarding and collections tech — you focus on underwriting and disbursals.