Optimo Capital

What Optimo Capital does

Optimo Capital (legally Nipun Projects and Finance Private Limited, held under Opticap Holding India Pvt Ltd) is an RBI-registered NBFC fintech founded in November 2023 by Prashant Pitti, co-founder of EaseMyTrip. The company provides secured business loans against residential, commercial, and industrial property (Loan Against Property, or LAP), targeting micro, small and medium enterprises (MSMEs) in India's Tier-2 and Tier-3 markets that lack formal credit histories. Its three core lending products — LAP, LAP Balance Transfer, and LAP Top-Up — are sized between Rs 10 lakh and Rs 2 crore with 7–15 year tenure, priced from 1.5% per month.

The company runs a phygital model combining 49 physical branches across Karnataka, Andhra Pradesh, Telangana, Tamil Nadu, and Madhya Pradesh with a 100% digital, paperless origination flow. Its technology stack includes AI-powered property verification backed by a proprietary land-records database, an instant eligibility check (offering in-principle sanction up to Rs 50 lakh), and digital EMI/property valuation tools. This stack supports an in-principle sanction within 2 hours and 4-day disbursal cycle, with disclosed gross NPAs held below 0.7%.

Optimo earns interest income on its on-book loan portfolio, supplemented by balance-transfer and top-up flows. As of FY26, the company reported Rs 441 crore in AUM (+179% YoY), Rs 70.5 crore in revenue (+394% YoY), Rs 14.1 crore in profit (+416% YoY), and 22 consecutive months of profitability. Capital structure combines equity (Rs 150 crore Series A in October 2025 led by founder Pitti with Blume Ventures and Omnivore) with debt lines from IDFC First Bank, Axis Bank, Punjab National Bank, and a Rs 200 crore co-lending partnership with Godrej Finance, supporting a stated FY27 AUM target of Rs 1,200 crore.

Name

Optimo Capital

Legal name

Nipun Projects and Finance Private Limited

Website

https://optimocapital.in

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

101–250 employees

Short description

Optimo Capital is an RBI-registered NBFC providing Loan Against Property financing (Rs 10 lakh–Rs 2 crore) to MSMEs in India's Tier-2 and Tier-3 markets, combining a 49-branch phygital network with AI-powered property verification and 4-day disbursal.

Ownership category

akta.pro rank

Product category

MSME Lending / Loan Against Property

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYFSAGAJAA

SME Lending & Working Capital Platforms

Financial & Insurance/Financial Technology (Fintech)/B2B Fintech (SME Finance, Invoicing, Expense & Spend Management)

SECONDARYFSAKAGAB

SME Term Loans & Growth Capital

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

Keywords

• Loan against property
• MSME lending
• Secured business loans
• Property-backed financing
• Small business credit

Headquarters

HQ city

Bengaluru

HQ country

India

HQ region

Asia

Offices51 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Loan Against Property Interest: Interest income from secured property-backed business loans extended to MSMEs. Loan amounts range from Rs 10 lakh to Rs 2 crore with tenure of 7-15 years.
2. LAP Balance Transfer: Balance transfer fees for existing LAP customers transferring their loans to Optimo Capital
3. LAP Top-Up Loans: Additional loan amounts extended to existing LAP customers on top of their current outstanding

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Optimo Capital is a fintech NBFC that provides Loan Against Property (LAP) financing to MSMEs in India's Tier-2 and Tier-3 markets. The company extends secured business loans ranging from Rs 10 lakh to Rs 2 crore with 7-15 year tenure, using residential, commercial, or industrial property as collateral. Its offerings include core LAP, LAP Balance Transfer, and LAP Top-Up products, supported by a phygital model combining 49 physical branches with a 100% digital, paperless processing platform featuring AI-powered property verification for in-principle sanctions within 2 hours and 4-day disbursal.

Product overview

Optimo Capital operates as a digital Loan Against Property (LAP) fintech-NBFC offering a unified lending platform with three core products: Loan Against Property, LAP Balance Transfer, and LAP Top-Up. The platform is complemented by digital self-service tools including an EMI Calculator, Instant Eligibility Check, and Property Valuation. The company uses a phygital (physical-digital) model with branch presence across India to serve MSMEs in tier-2 and tier-3 markets, providing property-backed business loans with loan amounts ranging from ₹10 Lakh to ₹2 Crore and 4-day disbursement timelines.

Differentiator

Problem solved

Functional benefit

Products and services

• Loan Against Property (LAP) Primary secured business loan product allowing MSMEs to borrow against residential, commercial, or industrial property as collateral, with loan amounts ranging from Rs 10 lakh to Rs 2 crore and tenures of 7-15 years, with in-principle sanction within 2 hours and 4-day disbursal.
• LAP Balance Transfer Allows existing LAP borrowers to transfer their outstanding loan to Optimo Capital, securing better interest rates and terms while transferring collateral to Optimo Capital, with loan amounts up to Rs 2 crore and 7-15 year tenure.
• LAP Top-Up Enables existing LAP customers to obtain additional financing on top of their current loan, leveraging the same property collateral for extra working capital or business expansion, with additional loan amounts up to Rs 2 crore and 7-15 year tenure.
• Instant Eligibility Check Digital tool allowing property owners to instantly check their loan eligibility without documents, KYC, OTP, or physical verification, providing in-principle sanction offers up to Rs 50 lakhs based on property value and income parameters.

Quantifiable outcome

• 394% revenue growth to Rs 70.5 crore in FY26
• +4 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Godrej FinancemajorStrategic or Co-development Partner · 18 March 2026Co-lending partnership established to disburse Rs 200 crore over the next 12 months, combining Optimo's technology and lending capabilities with Godrej Finance's balance sheet.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Aadhar Housing Finance: Listed Indian housing finance company with significant LAP book serving salaried and self-employed customers. Comparable in property-backed lending but operates at significantly larger scale and broader geographic reach.
• MAS Financial Services: Indian NBFC providing MSME and SME financing through direct lending and bank co-lending partnerships. Comparable in co-lending model and SME customer focus though broader product mix than Optimo.
• Five Star Business Finance: Listed Indian NBFC focused on secured small business loans against property, primarily in South India. Closely comparable in product (property-backed SME lending) and South-India geographic concentration.
• IIFL Finance: Large diversified Indian NBFC offering LAP, home loans, gold loans, and business loans across India. Overlaps with Optimo in LAP/MSME segment but operates at much larger scale across multiple product lines.
• Cholamandalam Investment and Finance: Large listed Indian NBFC with material LAP and MSME vehicle finance books across India. Overlaps with Optimo in LAP product but with diversified portfolio and stronger Tier-1 presence.

Direct peers

• ZipLoan: Digital lending fintech providing small-ticket business loans to MSMEs in India using alternative credit scoring. Comparable in segment, ticket size, and tech-led origination focus.
• Kinara Capital: India-based fintech NBFC providing collateral-free and property-backed business loans to MSMEs. Closely comparable to Optimo Capital given similar target segment, secured lending focus, and Tier-2/Tier-3 India expansion strategy.
• Flexiloans: Digital lending platform focused on MSME financing with co-lending bank partnerships and technology-driven underwriting. Comparable in business model and customer segment to Optimo Capital.
• Indifi Technologies: Indian SME lending platform offering unsecured and secured business loans through bank partnerships. Comparable business model with marketplace/co-lending architecture serving small businesses with thin credit files.
• Lendingkart: Indian fintech NBFC providing working capital and term loans to MSMEs using alternative data-driven underwriting. Comparable in serving small businesses with limited documentation and operating across multiple Indian states.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/OptimoLoan
• Facebookfacebook.com/pfbid0BVoyJ95gGufg4PFZ9UFN98vTW4PJhcqxLzj4zPi1u41iu6wXvzQPScoqHAFz5tufl
• LinkedInlinkedin.com/company/optimocapital
• Instagraminstagram.com/optimo.capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds4 records

Investors6 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Optimo Capital