> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# About Razorpay Capital

> Razorpay Capital is a lending platform that allows you to meet your cash flow challenges. Using Razorpay Capital, you can manage financial challenges of your business through quick settlements and collateral-free loans. You can avail a set of services that aim at lending a helping hand to your business in maintaining steady capital.

#### Advantages

Listed below are some reasons you should use Razorpay Capital:

* **Easy Financing**: Avoid costly short-term financing for your working capital needs.
* **Better Budgeting**: Manage your monthly budgeting, spending and investing perfectly.
* **Zero Backlogs**: Avoid backlog in your payment reconciliations.
* **Accessible Funds**: You are pre-approved on the basis of your customer payments. We do not look for a long business history or a high credit score.
* **Transparent Pricing**: You get simple pricing with best interest rates for your needs. We do not require collateral or personal guarantees.
* **Flexible Repayments**: You make automatic payments from your settlements when you can. We give you the freedom and flexibility to suit your business needs.

## Types of Lending Products

Razorpay Capital aims to give you easy access to credits when you need them the most. For this, we offer a range of lending products depending on your business requirements.

You can choose any of the following lending products to acquire capital via Razorpay Capital:

### Instant Settlements

Reduce settlement period from T+2 days to T+0, that is same day settlements. You can have all your payments settled to your bank account at specific hours during the day or have your money settled early on key business days. Know more about the benefits of [Instant Settlements](/payments/settlements/instant) and how you can initiate them after getting the feature enabled.

### RazorpayX Corporate Cards

Simplify your company expenses. Pay for your marketing, SaaS or travel needs with 50-day interest-free credit and automatic repayments for hassle-free expense management. You can also avail [Add-on Cards](/x) for your team members.

### Related Information

* [Corporate Cards](/x)