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Refer Clients for Business Loans & Earn Up to 3% Commission

Help your SME and MSME clients secure fast, hassle-free business funding—while you earn 1.5% commission on every successful loan disbursal, scaling up to 3% as your referrals grow. Effortlessly track all earnings with Optotax, powered by OPEN Capital.

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A Simple, 3-Step Loan Referral Process

Step 1

Refer a Business Owner

Fill in a simple form with your client’s basic details to help us identify the best loan match from our trusted lending partners.

Step 2

 We Handle the Rest

OPEN Capital manages documentation, lender matching, and approvals: zero workload for you.

Step 3

Earn on Every Disbursal

Receive your commission payouts monthly. Track every loan reference and payment on your dedicated Optotax dashboard.

Why CAs & Finance Experts Choose Us

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High-Earning Potential

Flat 1.5% commission on every loan disbursal, scaling up to 3%.

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Dedicated Human Support

A relationship manager assigned to you—real support, not bots.

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Zero Operational Hassle

We manage the full loan process, with no burden on you.

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Transparent Tracking

Real-time dashboard visibility for easy payout monitoring.

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Fully Compliant & Secure

ISO, SSL, SOC-2 certified platform for trusted compliance.

testimonials

I started with a small store but saw huge demand in my area. Getting ₹15 lakhs from Open Capital changed everything. My new store is now 3 times bigger, with fresh vegetables and household items. Sales have gone up by 70%. From application to money in my account—everything happened in just 3 days. I'm planning to open another branch next year. Much thanks, guys!

Rajesh Kumar

Grocery Store Owner, Jhansi

testimonials

Running a garment shop means working for long days. I could only apply for loans after closing my shop at 9 PM. Most banks and lenders wanted me to visit the branch in the morning, affecting my business. With Open Capital, I applied at night and got ₹20 lakhs approved by the next afternoon. I used the money to buy more stocks for wedding season collections.

Priya Sharma

Textile Shop Owner, Coimbatore

testimonials

Banks wanted property papers for giving loans. I don't want to mortgage my shop to get a loan. I reached out to Open Capital, and they simply looked at my GST Certificate, monthly sales data, and the shop Licence. My ₹7 lakh loan proposal was approved simply on the basis of my 3-year shop performance. I bought wholesale stock at better rates. My margins have now increased and customers get better prices, too.

Mohammed Irfan

Auto Parts Dealer, Kanpur

testimonials

We started with one small hub. I needed money to open two more branches but didn't want to sell my gold jewelry. Open Capital gave me ₹25 lakhs without any gold or property papers. Today, I own three smart market stores and have 15 employees. The best thing was that I could choose EMIs to match my monthly earnings.

Anita Patel

Smart Market Hub Owner, Surat

testimonials

During Teppam season, customers always want the latest phones or upgrade their old sets. However, distributors give better prices only on bulk orders. Getting ₹9 lakhs from Open Capital helped me stock quality phones at wholesale rates. The online process was so simple that it saved me a lot of time, especially during the morning business hours. My shop is now the best place for high-end phones in my area.

Ramesh Swamy

Mobile Phone Retailer, Madurai

testimonials

Kitchen equipment costs were shooting up. I wanted to upgrade this Dhanteras but didn't have cash ready. Open Capital processed my ₹7.5 lakh loan through WhatsApp and email. No paperwork trips were needed. My business is thriving now. Ratings have improved, and monthly revenue has now grown by 37%.

Sunita Singh

Restaurant Owner, Lucknow

    Who is Eligible for Optotax Business Loans?

    Your clients qualify for Optotax Business Loans if they meet these criteria:

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    Monthly Turnover

    ₹4 lakh
    or above

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    Business Vintage

    Operating for
    1+ year

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    Documentation

    Valid GST certificate, PAN, and bank statements

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    Compliance

    Actively filing
    GST returns

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    Credit Profile

    Strong credit history with no
    defaults

    Funding Solutions Your Clients Need

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    Working Capital Loans
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    GST-Based Loans
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    Term Loans
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    Collateral-Free Loans
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    Line of Credit

    Who is Eligible for Optotax Business Loans?

    Your clients qualify for Optotax Business Loans if they meet these criteria:

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    Grievance Redressal Officer

    Mr. Amlan Singh

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    Grievance Redressal Officer

    Rashi Kataria

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    Grievance Redressal Officer

    Ms. Pranaali Sawant

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    Grievance Redressal Officer

    Ms. Ajitha K

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    Grievance Redressal Officer

    Ms. Deepika Rawat

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    Grievance Redressal Officer

    Naresh Kumar

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    Grievance Redressal Officer

    Mr. Sunny Dwivedi

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    Principal Nodal Officer

    Arijit Sen

    The Optotax Advantage

    Smart Lending Meets Trusted Compliance

    We protect your client's credit with no blind applications. We analyze GST and financial data first, identify the ideal lender, then apply. Better results, zero guesswork.

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    Scalable Earnings

    Whether you refer 10 clients or 100, your commissions grow effortlessly.

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    Transparent & Timely Payouts

    Monthly commission payments with clear tracking.

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    No Risk, No Liability

    You refer; we handle compliance and the rest.

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    Powered by OPEN Capital

    India’s fastest-growing SME lending platform trusted by 1M+ businesses.

    About Open Capital logo

    India’s fastest-growing digital SME lending platform, OPEN Capital, connects businesses with trusted NBFCs and lenders, offering fast approvals, flexible credit, and full transparency. Backed by global investors and trusted by 1 M+ businesses.

    Start Referring. Start Earning. We’ll Handle the Rest.

    Submit Interest Request a Callback

    Frequently Asked Questions