FAQ’s
Frequently Asked
Questions
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The Basics
Getting in Rhythm
Who is Quince Capital for
We serve the backbone of India’s economy: the shops restocking for
festival rushes, the small units with humming machines, the traders keeping goods
moving across every lane and town, the small business owners who keep the country
moving. If your business has a rhythm, we have the credit to match it.
What does "Matching the MSME Rhythm" mean
It means we recognize that business isn’t a flat line. We’ve designed our
credit to move at your speed providing funds in days, not weeks, and allowing
repayments to follow your actual cash flow.
How is Quince Capital different from a traditional financial institution
Traditional financial institutions often ask you to pause your business to fit
their paperwork. We don’t. We use tech to "read your rhythm" (GST, cash flow, and
patterns) so we can provide credit that breathes with your business, not against it.
What does "Finance that moves like your business" mean
It means we understand that business isn’t linear. We offer flexible
repayments and quick top-ups so that when your orders rise, your finance flows just
as fast
Our Loan Products
Choosing Your Beat
What is Q-Rise (Micro LAP)
This is for smaller, steady growth steps. It offers loans from ₹3L to ₹25L,
backed by property, designed for micro-enterprises looking to scale.
What is Q-Boost (SME LAP)
This is for businesses ready for a bigger jump. Q-Boost offers ₹10L to
₹75L loans with terms designed for affordable, long-term SME support.
What is Q-Refill
Think of this as your "instant power-up." If you’re an existing customer, QRefill
offers instant top-ups from ₹50K to ₹15L with zero fuss. It’s designed to give you
one-tap access to funds so you never have to turn away an order due to lack of cash.
How do I apply for a refill
It’s built directly into our platform. If you've been consistent with your
business rhythm and re-payment schedule, you can tap once and have the money on
its way - no additional paperwork, no drama.
Can I calculate my EMI before applying
Absolutely. Use our online EMI calculator to get an indicative idea of your
monthly rhythm. Final terms are customized based on your business assessment.
What kind of properties do you accept as security
We primarily focus on self-occupied residential and commercial properties
as collateral.
Does the property have to be in my name
The application requires the "Registered Property Owner's Name," so
while it is often the applicant, we can discuss cases involving immediate family
members who can be co-applicants.
Can I apply if my property is already mortgaged
Yes, you can.
What if I am a salaried individual helping a family business? Can I still apply for a
loan
Yes, you can by sharing your employer details, tenure, and monthly salary.
How do I sign the documents if I apply online
We use OTP-based Aadhar eSign for signing of documents, making
the execution of terms instant and secure. Aadhaar eSign is a safe, secure,
convenient and legally valid method of digitally signing documents in India.
Is the OTP-validated signature legally binding
Yes, any record generated through Aadhar eSign and validated on our
platform is binding on both the applicant and co-applicants.
The Digital Flow
Application & Tech
Do I need to visit an office to apply
Only if you want to! You can apply entirely through our app or website. It’s
2026. Paperwork shouldn’t slow you down. However, if you prefer a conversation,
our Relationship Managers are always ready to meet.
What are the eligibility requirements
We look for consistency and business health. Our RhythmScore™ engine
analyzes your business cycles, GST data, and cash flows rather than just relying on
a static credit history.
What information is needed while applying
The application asks for:
- Personal details: KYC, photo, and residence proof
- Work details: Business name, constitution, and Udyam Registration (URC)
- Financials: Monthly turnover and margin %, plus bank details (IFSC, A/c No.) or your salary and employer details
- Property details: As we focus on secured lending, we require information on the property being used as collateral
What documents do I need
We keep it simple. Usually, your KYCand bank statements are enough for
us to understand your business rhythm. GST statements and ITR’s ate additional
supporting documents.
How fast is the approval process
We aim for "straight answers." Our tech-led process allows for quick credit
decisions. We aim for approvals within 48 hours of complete applications and
disbursals within 72 hours of approvals so you can spend less time waiting and more
time working.
Is the process digital
Yes, we offer 100% digital on boarding to save you timewith local onground
support.
Staying on Track
Security & Repayment
How do repayments work
We offer flexible repayment structures linked to your turnover rhythm—to
match when your customers pay you.
How do I pay my EMIs
Everything is automated to save you time. We set up a digital mandate
(NACH) so your repayments happen smoothly and on time.
What if my business has a slow month
We believe in "repayments that breathe." If you anticipate a change in your
cash flow rhythm, talk to us. We value the human side of credit.
What are the interest rates
Rates typically range from 18% to 22%, calibrated based on your specific
risk profile and RhythmScore™.
Is my data safe
Absolutely. Our digital core, Q-Jarvis™, is built with embedded
governance and transparency to ensure your data and your business stay secure.
Support
Security & Repayment
How do I track my loan status
We will keep you continuously updated with regards to your loan
application via SMS/Email/WhatsApp. Our RM’s and support team are just a phone
call away or a ping away on WhatsApp
I’m a customer and I have a success story. Where do I share it
We love hearing how your "shutters rise before sunrise." Use the "Share
Yours" form on our website to send us your photos, videos, or story.
How do I get in touch with a real person
You can call our number (________), visit our office, or simply click "Talk
to Us" on the app. We’re digital when it’s faster, but human when it matters.