Optimo Capital Raises Rs 100 Cr, Targets Faster MSME Loan Disbursals with AI Platform

Optimo Capital, a technology-driven NBFC focused on MSME lending, has raised Rs 100 crore in debt funding from Punjab National Bank. In addition, the company has entered into a co-lending partnership with Godrej Finance Limited to disburse Rs 200 crore over the next 12 months, strengthening its lending capacity and market reach.

This development follows the company’s equity raise of Rs 150 crore around six months ago, led by Blume Ventures and Omnivore, with participation from founder Prashant Pitti, who is also known for co-founding EaseMyTrip.

Founded to address credit accessibility challenges, Optimo Capital provides digital loan-against-property (LAP) products tailored for MSMEs, particularly those that struggle to secure formal financing despite having collateral. Its proprietary lending infrastructure is built on a dataset of over 77 lakh mortgage and property transaction records, complemented by AI-powered property inspection and valuation systems. This enables the platform to offer in-principle loan approvals within hours, significantly improving turnaround time for borrowers.

“India’s MSME sector continues to face a $240 billion credit gap despite many businesses having strong collateral,” said CEO Pitti, adding that the company will use technology with disciplined underwriting to deliver faster and safer credit access for entrepreneurs.

The Bengaluru-based firm currently manages assets under management exceeding Rs 430 crore, while maintaining gross non-performing assets below 0.7%, reflecting strong asset quality. It has also demonstrated consistent financial performance, remaining profitable for the past 22 months with monthly profits in the range of Rs 2–3 crore. Recently, the company received a BBB (Stable) rating from CARE Ratings.

Optimo Capital operates through a network of 51 branches across Karnataka, Tamil Nadu, Telangana, Andhra Pradesh, and Madhya Pradesh, with a strong focus on serving MSMEs in semi-urban and rural regions. The company employs over 500 professionals across its operations.

The latest debt infusion from Punjab National Bank is expected to support balance sheet expansion, while the partnership with Godrej Finance will further accelerate credit deployment. Together, these developments position Optimo Capital to scale its operations and deepen its impact in bridging the MSME financing gap in India.

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