Lending policy.

Orrow Capital ("Company", "we", "our", "us") extends short‑term loans to registered Indian businesses through its lending product, Express Credit. This Lending Policy outlines the regulatory framework, terms and operating principles under which we lend, so that borrowers and partners have a clear and transparent reference.

We lend under a money‑lending license issued by the Government of Karnataka. All lending activity carried out by Orrow Capital is governed by:

• The Karnataka Money‑Lenders Act, 1961 and the rules made thereunder.
• All applicable directions, notifications and amendments issued by the Government of Karnataka from time to time.
• Applicable central laws including the Information Technology Act, 2000 and the laws governing fair business practices in India.

Our license details and operating address are kept on file at our registered office and may be inspected on request.

We currently offer one lending product:

• Express Credit — unsecured short‑term business loans of ₹5 lakh to ₹25 lakh, with a tenor of under one year, typically disbursed by the next business day.

All loans are extended from our own balance sheet. We do not act as an agent, intermediary or referrer for any third party in respect of Express Credit.

Interest is charged at a rate determined at credit assessment, within the maximum cap prescribed by the Karnataka Money‑Lenders Act and any orders issued under it. The rate applicable to a given loan is disclosed in writing in the sanction letter before disbursement.

Other charges — including any processing fee, documentation cost, statutory levies (GST, stamp duty) and late‑payment charges — are disclosed transparently in the same sanction letter. No charge is recovered without prior written disclosure.

The maximum tenor for any Express Credit loan is one year, subject to the limits laid down by the Karnataka Money‑Lenders Act and the conditions of our license. Repayment plans currently offered are described on the Express Credit page.

Express Credit is available to any business registered and operating in India — Private Limited, LLP, Partnership or Proprietorship — subject to credit assessment. We require GST returns, bank statements, ITR and KYC documentation as part of the assessment. Final approval is at the sole discretion of the Company.

We commit to the following:

• Transparent disclosure — the full terms of the loan, including rate, tenor, fees and total cost of borrowing, are set out in writing before signing.
• No hidden charges — no fee or recovery is levied without prior written disclosure to the borrower.
• Fair recovery — recovery of dues is conducted lawfully, without coercion, harassment or breach of borrower privacy. We do not engage third‑party recovery agents for Express Credit.
• Reasonable notice — any change to the terms of an outstanding loan is communicated in writing with reasonable notice.

Every Express Credit borrower has the right to:

• Receive a complete, written sanction letter before drawing down the loan.
• Receive a copy of the executed loan agreement.
• Receive periodic statements of account on request.
• Prepay the loan in part or in full, subject to the terms of the agreement.
• Raise concerns through our Grievance Redressal Mechanism, and to escalate as set out there.

We may amend this Lending Policy from time to time to reflect changes in law, regulation or our operating practices. Updates are published on this page with a revised "Last updated" date.

For any questions about this Lending Policy or any active loan with us:

Email

hello@orrow.in

Phone

+91 99452 65640

Address

Andree Road, Bangalore 560027, India