Optimo Capital offers digital secured loan-against-property (LAP) products targeting MSME borrowers who own collateral but face barriers to formal credit. Its lending infrastructure leverages a dataset of over 77 lakh mortgage and property transaction records and uses AI-led property inspection and valuation systems to enable in-principle loan sanctions within a few hours. The company manages over Rs 430 crore in assets under management, maintains gross NPAs below 0.7%, and has been profitable for 22 consecutive months with monthly profits of Rs 2–3 crore. Optimo operates 51 branches across five Indian states and employs over 500 people. It recently received a BBB (Stable) rating from CARE Ratings and is scaling through partnerships such as the co-lending arrangement with Godrej Finance and debt lines from Punjab National Bank.

Total raised

$50M

Funding rounds

4

Latest round

Debt Financing

Latest activity

Mar 2026