KapitalTech (Registered as United Petro Finance Limited) is a leading FinTech in India which offers multiple products like unsecured loans and loans against property with customized loan repayments to its MSME customers.

We, at KapitalTech, are an innovative and highly passionate team that blends cutting edge technology with deep human insight into lending.

We aim at delivering instant hassle-free credit to a wider spectrum of MSME businesses including millions of unorganized enterprises with limited credit history or are highly leveraged on paper.

Dexter, our groundbreaking statistical modeling-based proprietary analytics engine, enables us to "see" beyond the perceived risk of traditional credit frameworks.

KapitalTech is backed by Fortune Financial Services (India) Limited, a conglomerate firm involved in Investment Banking , Housing Finance, Equities and Derivatives trading, Equity Research, Commodities Trading, Portfolio Management Services, Distribution of Mutual Funds & Insurance products.

What we do

We Simplify Lending

KapitalTech offers secured and unsecured business loans with customized loan repayments to suit the needs of its MSME customers. Our customers can choose from various options like collateral free, short terms loans or rolling working capital loans or long-term loans against property.

These loans are tailor-made to each customer segment and are aligned to the underlying cash flows of these businesses. We see beyond the ‘perceived risk’ tag that traditional financing channels have assigned these deserving businesses, by way of our highly researched and unique proprietary underwriting methodology.

Kapitaltech is committed to deliver financing to customers with a combination of superior underwriting frameworks, lightning fast speeds, hassle free documentation and truly customer-centric processes that deliver a visibly high standard of customer delight with a ‘WOW’ factor.


Beyond Desktop Credit to overcome "Perceived Risk"


Technology for "Hyper Efficiency" and "Super Agility "

Doorstep and online origination - user experience-centric.


Automated data aggregation - TAT Reduction and Fraud Check.


Insight analytics - accurate credit decisions at break neck speed.


Technology enabled high frequency loan collection - fraud &
risk mitigation.


Predictive Alerts for Portfolio Monitoring.



Dexter is our proprietary statistical modeling and machine learning-based analytics engine that forms the core of KapitalTech.

It began as a simple rule-based decision support system using just 50 data points. With the deep credit insights that KapitalTech's on-ground team has built over time, Dexter rapidly transformed into a highly robust engine to underwrite Indian businesses and an extremely flexible engine for customer risk and reliability score computation.

Today, Dexter takes into account over 2,500 data points simultaneously to deliver almost real-time appraisal of potential borrowers. Leveraging simple, yet profound analytics techniques viz. pattern matching, dimensionality reduction, probabilistic record linkage, etc., Dexter blends a wide range of data sets from multiple sources to reduce them into comprehensibly fewer number of metavariables.

Metavariables are processed through our proprietary binary modeling and credit analytics algorithms to generate optimized prediction for automated decision making. Dexter's capability to judge accurately the ability and willingness of borrowers to repay minimizes the perceived risk, while extending the credit spectrum.

Independent Variables

System-generated temporary variables generated from Algorithms.


2,500 data points from multiple sources taken into account simultaneously.

Optimized Prediction

Loan Amount computed taking into account deep credit insight of on-ground team.

Our Team

Meet Our Team

Our team is an amalgamation of young leaders and highly experienced professionals hailing from the top companies around the world. We aim towards simplifying and digitalizing the lending process and empowering the MSME borrowers to get closer to their business dreams. With a process and result driven approach, our team works relentlessly to make UPF a revolution in the FinTech lending space.