A. RupeeGo is a "Digital Lending Platform" which provides quick collateral free/unsecured business loans to small businesses without any need for physical paperwork.

A. Our head office is in Gurugram, Haryana. We do not have any branches. We believe that in digital age, physical presence is of little value.

A. You are not required to visit our office or our partner NBFC office to apply for loan. Our Loan application process is 100% digital. If you need any help during your application process or after loan has been disbursed, you can reach us as below:
Call: +91 9315565819
Email: care@rupeego.com

If you still need to communicate to us in writing, you can send letters to below address:
RupeeGo
Basesix Online Services Pvt Ltd
2nd Floor, Building 77B
CRS Towers, Sector 17/18 Dividing Road
Sector 18, Gurugram
Haryana- 122015

A. We believe that customer experience is of utmost importance in financial transactions, and our team is 100% committed to delivering best customer experience.

1. We are 100% paperless, meaning you do not need to submit physical copies of documents.
2. Minimal Documentation, meaning you only need to submit last 6 months bank statement and basic KYC documents. IT return/GST return etc is NOT mandatory.
3. 100% focus on business loans to small merchants. We only service self employed segment and that too, only individual proprietors.
4. Faster Approval process, you can expect to get loan offer, if approved, within 24 hours of completing online loan application and submitting 6 month bank statement.
5. Faster disbursement, you can expect to receive money in your bank a/c within 3 days of submitting clear documents on our website.
6. Our loans are completely collateral free.
7. We service "New to Credit Customers"
8. We service businesses which have been operational for just more than 12 months.
9. We are transparent in our pricing and terms.
10. Lastly we reward good credit behavior. We not only offer lower interest rates to borrowers with good credit history, we also promise to give top up loans at much lower rates if you maintain good repayment track record.

A. SSL Certified secure communication and 256 bit encryption to safeguard your data.

A. As of now we are only serving customers in Delhi NCR and Mumbai Metropolitan Region. However we will shortly be expanding to other cities. As a Digital Lender, we think geographical expansion for us is only a matter of time.

A. We provide business loans from INR 50,000 to INR 5,00,000.

A. You need to first register on out website www.rupeego.com. On registration you will be prompted to verify your mobile number and Email ID. Once you have done this you can start your online application. At this stage you only need to submit last 6 months bank statement along with your demographic information. You will be asked to submit KYC documents only after you receive a loan offer from RupeeGO.

A. You can chose to repay us in flexible 6Months/12Months/18Months/24 Months, equal monthly installments.

A. Our preferred repayment mode is through NACH mandate. We may ask for PDCs for initial 1-2 months till NACH mandate is registered.

A. We charge reasonable interest rates starting from 1.5% per month (Flat). Please note that interest rate is a function of your past credit history, your profile and loan amount applied. You will know about interest rate once you receive offer letter.

A. We only charge the below fee which will be deducted from your disbursal amount:-
Processing Fee: 2% of Loan Disbursal Amount + GST@18%
Documentation Charges: Rs. 2,000 + GST@18%
Please note that these are Standard charges.
NO other Hidden charges will be taken from you.

A. We understand your business may generate unexpected higher cash flows. So we give you flexibility to make prepayment without any charges.

A. We believe in Minimal paperwork.

1. Last 6 Months completed Bank statement
2. PAN Card
3. Aadhaar Card or any other residence address proof
4. Business Proof i.e one of the below documents:
   
   1. Gumasta/Shops & Establishment Certificate
   2. GST
   3. Udyog Aadhaar
   4. Any industry body registration certificate
   5. ITR showing business income

A. Yes. You will need to sign a legal borrower agreement with our partner NBFC. However, you need not worry, agreement can be signed using Aadhaar based E-Sign facility as long as your mobile number is linked to Aadhaar.

A. We believe, family support is essential to success of a business venture. Hence we request our customers to add one of their "close relative" as guarantor/co borrower. Definition of close relative includes, spouse/parents/children/siblings.

A. You can log into our website (www.rupeego.com) with your Mobile No / Email and OTP. You will be automatically directed to the Customer Dashboard where you can see the status of your Application in the 1st Box at the top left.
If you still face any issues please feel free to contact us:-
Email: care@rupeego.com
Customer Care Number: +91-9315565819

A. Our loan proceeds can only be used for legitimate business purpose. Some ways we feel our borrowers use this capital:-

1. To purchase inventory
2. To buy equipments needed for business
3. Business Expansion
4. Working Capital
5. Shop Renovation / Beautification

A. We regret. RupeeGO is a dedicated platform for business loans only.

A. We are happy to fund any business which has been operational for more than 12 months.

A. We are a dedicated platform for small and micro businesses. Currently we cater to only merchant establishments such as Kirana Stores, Chemists, Stationery Shops, gift shops, telecom Shops, tours and travels, hardware/electrical stores, consumer durable shops etc.

A. If you run your shop from your house, we will fund your business. However, unfortunately at this stage we will not be able to serve freelancers/contractors/traders.etc working from home

A. Currently RupeeGo is only serving Proprietorship firms.

A. Yes. We do a bureau check before offer is made to you. However having prior credit history is not important.

A. You are most welcome to apply for loan if you fulfill below basic criteria:

1. You have a legitimate business, operational for at least for 12 months.
2. You have a shop/outlet either rented or owned
3. Your annual credits in bank a/c should be minimum 3 Lacs.
4. You are in the age group of 24-60 years.

A. We strongly recommend that you maintain sufficient balance in your Bank a/c as per agreed EMI dates. On time payment of all the installments will help you improve your credit score which in turn will help you borrow money at lesser interest rates in future.

A. Any Delay/Default in loan amount including interest is not healthy for your relationship with lenders. There are consequences ranging from bounce charges to penal interest to full loan amount being recalled to adverse reporting in credit bureaus. In rare circumstances, if you fore see cash flow challenges, we encourage you to reach out to us proactively. We will try our best to offer solutions for genuine problems.

A. No need to be disheartened If your application has been rejected by us. You can Re apply after 6 months. In the interim period, we want to encourage you to improve your banking transactions and also keep a check on your bureau history.

A. You shall keep in mind below points while submitting bank statement:

1. We need last 6 completed months statement.
   For example if you are applying for a loan any day in April 2019, You need to submit bank statement from 1st Oct 2018 to 31st Mar 2019.
2. Submit bank a/c statement for the a/c which has maximum business transaction
3. Statement shall ONLY be PDF format which is either downloaded from internet banking or received on email directly from bank

A. Sometimes it may happen that we may offer loan amount lower than your expectation after analyzing your banking transactions. Basis your repayment track record you may be eligible for another loan after 3 months.