3Cap is India's first unified platform that takes MSMEs from their first business loan to a public listing. One platform — three stages of capital: Debt, Equity, and IPO.
Every MSME starts with a loan. Some grow into equity-funded enterprises. A few become publicly listed companies. 3Cap is the only platform built for the entire journey — from your first ₹10 lakh term loan to your SME IPO on BSE or NSE.
Not a generic lending platform repackaged for small businesses. Every workflow, every check, every document template is designed for how Indian MSMEs actually operate — GST-first, Aadhaar-verified, credit bureau-integrated.
Most businesses use one app for loans, another for fundraising, and scramble when they think about IPO. 3Cap remembers your entire financial history, builds your capital track record, and opens the next stage automatically when you're ready.
CAs, CS professionals, merchant bankers, legal advisors, and compliance experts — all vetted, all on-platform. No more forwarded messages to find a good auditor. Pick, assign, track, and pay — all from your 3Cap dashboard.
Whether you need working capital today, investor funding next quarter, or a public listing next year — 3Cap has you covered.
Smart business loans with AI-driven eligibility, instant proposals from 40+ lenders, and end-to-end digital disbursement. From ₹5 lakh to ₹10 crore.
Raise growth capital from angels, VCs, and strategic investors. 3Cap matches your business profile, valuation range, and sector with the right investor pool.
From pre-IPO readiness to listing day and beyond. 3Cap's SME IPO track guides you through SEBI compliance, merchant banking, and public market entry.
No paperwork marathons. No branch visits. Everything happens on your phone or laptop.
Aadhaar eKYC, PAN verification, GST linkage, and bank account validation — all done in under 5 minutes with OTP-based consent.
Our AI engine pulls your GST returns, bank statements, and credit bureau data to calculate your eligibility across Debt, Equity, and IPO tracks simultaneously.
Review proposals from multiple lenders or investors side by side. Transparent terms, no hidden charges. Pick what fits your business stage and cash flow.
Digital agreement signing, e-NACH setup, and direct bank transfer. Debt disbursal in 48 hours. Equity closings managed end-to-end with legal support.
Built with the complexity of Indian MSME finance in mind, delivered with the simplicity of a consumer app.
Real-time eligibility scoring across 40+ lenders using GST data, bank statements, credit bureau scores, and business vintage. Know your options before you apply.
Receive and compare loan offers side by side with transparent breakdowns of interest rates, processing fees, prepayment terms, and total cost of capital.
Upload once, use everywhere. Your financial documents are OCR-processed, categorized, and ready for any lender or investor — no re-uploads needed.
Vetted CAs, CS professionals, lawyers, and compliance experts. Browse profiles, check ratings, assign tasks, and track deliverables — all in-app.
Pre-approved credit lines disburse in minutes. Standard loans in 24-48 hours. No physical documentation, no branch visits, no waiting.
256-bit encryption, CERT-In compliant infrastructure, biometric authentication, and consent-based data access. Your financial data stays yours.
Integrated with all major credit bureaus. Get a composite credit view that lenders trust, along with actionable tips to improve your score.
Track your capital utilization, repayment health, investor relations, and compliance status from a single, real-time dashboard designed for business owners.
Smart EMI scheduling, prepayment optimization, and cash flow forecasting. The platform alerts you before a payment impacts your credit score.
Whether you're a first-time borrower or preparing for a public listing, 3Cap meets you where you are.
Manufacturers, traders, and service businesses with 1-3 years of operations looking for their first formal business loan. GST-registered, Aadhaar-verified, ready to grow.
Debt track →Businesses doing ₹5Cr+ annual revenue, looking to expand to new cities, launch new product lines, or acquire competitors. Need larger capital than bank loans allow.
Equity track →Companies with ₹25Cr+ revenue, 3+ years of profitable operations, and a track record that deserves a public market valuation. Ready for BSE SME or NSE Emerge.
IPO track →Founders running multiple businesses or starting new ventures. Your 3Cap profile carries your capital track record across all your entities, improving terms with each success.
All tracks →Apply for a ₹10L working capital loan. AI engine matches you with 5 lenders. Disbursed in 36 hours. Strong repayment builds your 3Cap credit score.
Repayment track record unlocks ₹50L credit line and equipment financing. Revenue doubles. 3Cap recommends the equity track.
Revenue hits ₹8Cr. Raise ₹3Cr angel round with investor matching, cap table management, and legal support — all on-platform.
Revenue crosses ₹40Cr. 3Cap's IPO readiness engine confirms eligibility. Merchant banker onboarded, DRHP filed, roadshows completed. Listed at 2.4x oversubscription.
We went from a ₹15 lakh term loan to a ₹2 crore equity raise in 18 months on 3Cap. The fact that our entire financial history was already on the platform made investor diligence a breeze.
I compared 7 loan offers in 10 minutes. No other platform showed me the actual total cost of capital including processing fees and prepayment penalties. Saved us ₹3.2 lakhs over the loan tenure.
The service provider marketplace changed everything. Found a SEBI-registered merchant banker, got our DRHP reviewed, and filed — all tracked on 3Cap. We listed on BSE SME last month.
CAs, CS professionals, lawyers, and merchant bankers — join the 3Cap marketplace and get matched with businesses that need your expertise.
Stop cold calling. 3Cap matches you with MSMEs actively seeking your specific services — audit, compliance, legal, or IPO advisory.
Accept orders, share deliverables, track milestones, and get paid — all through a single dashboard. No more chat forwards and email attachments.
Build a verified track record with client ratings, on-time delivery scores, and specialization badges. Top-rated providers get featured placement.
Join 1,500+ MSMEs already growing on 3Cap. Sign up in 5 minutes, check your eligibility instantly.
No credit score impact · No commitment · 100% digital