Structured agreements
Create flat EMI, periodic interest, or profit-share models — tailored to how you actually lend and borrow.
Secure private lending platform
Private lending, made transparent
Record loan agreements, track instalments, and share payment proofs — all in one secure workspace for lenders and borrowers.
Instant OTPLender & borrowerPayment proofs
Your workspace for agreements, schedules, and verified payments.
Agreement models
3+
Roles
Lender · Borrower
Access
OTP secure
Records
Proofs & remarks
Features
Everything you need to lend with clarity
Built for real-world private lending between people who trust each other — with the records to back it up.
Payment tracking
Borrowers submit instalments with proofs; lenders verify schedules, remarks, and receipts in one place.
Dual workspaces
Separate lender and borrower views with dashboards, reminders, and borrower trust insights.
Secure OTP access
Sign in with one-time password on your mobile number — fast, private, and bank-grade secure.
Reminders & alerts
Stay on top of due dates with in-app reminders and optional push notifications.
Audit-ready records
Every schedule row keeps proofs and remarks so both parties share the same source of truth.
Loan models
Flexible agreement structures
Choose the model that matches your deal — from structured EMIs to working capital and profit-sharing partnerships.
Structured EMIs
Predictable cash flows
Interest first + instalment principal
Pay interest upfront or on schedule, then clear principal in fixed instalments.
Available in appWorking capital
Flexible principal pace
Periodic interest + flexible principal
Interest on a rhythm you choose; principal repaid when cash allows.
Available in appPartnership
Share upside fairly
Profit sharing
Align on a profit share instead of a fixed rate — great for ventures.
Available in appHow it works
From download to settled instalments
A simple flow for both sides of the table — no complicated setup.
- 01
Download & sign in
Get the Raghav Capital app and verify with OTP on your Indian mobile number.
- 02
Choose your role
Open a lender or borrower workspace and complete onboarding with your profile.
- 03
Create an agreement
Pick a loan model, set amounts and schedules, and invite your counterparty.
- 04
Track & settle
Record payments, attach proofs, and close the loop with verified instalments.
Ready to manage your lending relationships?
Download Raghav Capital on Android and sign in with your mobile number to open your lender or borrower workspace.
Get it on Google Play