3CAP is a unified platform that takes MSMEs from their first business loan to a public listing. One platform — three stages of capital: Debt, Equity, and IPO.
Track record of Credex Group, 3CAP's promoter group, over nearly two decades of capital advisory.
Every MSME starts with a loan. Some grow into equity-funded enterprises. A few become publicly listed companies. 3CAP is built for the entire journey — from your first term loan to the Capital Markets.
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, proposals from Credex Group's network of 40+ banks and NBFCs, and end-to-end digital processing. From ₹10 lakh to ₹500 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 IPO track covers both SME and Mainboard listings — SEBI compliance, merchant banking, and public market entry.
No paperwork marathons. No branch visits. Everything happens on your phone or laptop.
PAN, GST and bank account verification with OTP-based consent, in a few minutes. KYC is completed as per your lending partner's process.
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. Disbursal timelines are set by the lending partner. 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.
Compare every matching loan offer side by side — lender name, APR, fees, prepayment terms and the lender's Key Fact Statement — presented without bias.
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.
Digital documentation, e-sign and e-NACH mean no branch visits. Once your lender approves, disbursal moves without paperwork delays.
256-bit encryption, biometric authentication, and consent-based data access. Your financial data stays yours.
With your consent, see a composite view of your bureau data that lenders rely on, 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 an SME or Mainboard listing.
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 →An illustrative journey. Actual amounts, timelines and outcomes depend on each business and its lenders and investors.
Apply for a ₹10L working capital loan. AI engine matches you with suitable lenders. 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 on BSE SME.
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.
Built on Credex Group's track record with 1,500+ businesses. Create your account and start your application online.
No commitment · 100% digital