Secure your business operations with working capital loans designed for inventory management, operational expenses, and cash flow requirements. Get competitive interest rates starting from 10.5% with flexible repayment options. ✔Quick Approval ✔Flexible Repayment ✔Multiple Options ✔Expert Guidance ✔Minimal Documentation ✔Cash Flow Support
Support Your Business Operations
A working capital loan is a short-term financing solution designed to meet the day-to-day operational expenses of a business. It helps bridge the gap between cash inflows and outflows, ensuring smooth business operations by funding inventory purchases, supplier payments, salaries, and other operational costs without disrupting the business cycle.
Flexible financing solutions designed for your operational cash flow needs
Choose from various repayment options based on cash flow patterns
Fast approval within 48-72 hours with minimal documentation
Available as term loans, overdrafts, and revolving credit facilities
Interest rates starting from 10.5% per annum
Choose the right working capital solution based on your business needs
Revolving credit facility against current assets
Businesses with fluctuating working capital needs
Fixed amount loan for specific working capital requirements
Businesses with predictable working capital needs
Trade finance instrument for supplier payments
Import/export businesses
Immediate funds against pending invoices
Service businesses with large receivables
Financing for supply chain operations
Manufacturing and trading businesses
Financing for dealers and distributors
Companies with dealer/distributor networks
Inventory, receivables, and cash holdings
Primary security for working capital facilities
Time taken to convert inventory to cash
Determines loan tenure and repayment structure
Monthly inflows and outflows analysis
Helps determine repayment capability
Seasonal variations in business operations
Influences loan structuring and limits
Industry-specific working capital requirements
Affects risk assessment and pricing
Streamlined process to get your working capital financing approved
Analyze your working capital requirements and cash flow patterns
Review financial statements, bank statements, and business operations
Design appropriate working capital solution based on your needs
Complete loan documentation and security arrangements
Credit approval and loan sanction letter issuance
Working capital facility activation and fund utilization
Complete documentation required for working capital loan assessment
Tailored working capital solutions for different industry sectors
Long production cycles, inventory management
CC/OD facilities, supplier financing, inventory funding
Rapid inventory turnover, price fluctuations
Letter of credit, invoice discounting, channel financing
Extended receivable cycles, project-based income
Invoice discounting, working capital term loans
Seasonal variations, changing consumer preferences
Inventory financing, overdraft facilities
Compare different lender types and their working capital offerings
Lower interest rates, government backing
CC/OD, Term loans, LC facilities
10.5% - 14%
15-30 days
Quick processing, technology-enabled
All working capital products
11% - 16%
7-15 days
Flexible criteria, faster approval
Invoice discounting, short-term loans
12% - 24%
3-7 days
Digital processes, instant approval
Invoice financing, revenue-based funding
15% - 36%
1-3 days
Best practices to optimize your working capital management
Maintain optimal inventory levels to reduce carrying costs and improve cash flow
Implement efficient collection processes and offer early payment discounts
Extend payable periods with suppliers while maintaining good relationships
Plan working capital requirements in advance for seasonal business variations
Implement robust cash flow forecasting and monitoring systems
Select appropriate working capital product based on your business cycle
Understanding and managing risks associated with working capital financing
Excessive debt burden affecting cash flows
Careful assessment of repayment capacity and debt limits
Fluctuating interest costs affecting profitability
Consider fixed-rate options or rate hedging strategies
Reduced collateral value affecting credit limits
Regular monitoring and maintenance of asset quality
Seasonal or cyclical downturns affecting repayment
Proper cash flow planning and contingency reserves
New regulations affecting business operations
Stay updated with regulatory changes and compliance
Get answers to common questions about working capital loans, types, and application process
Ensure smooth business operations with our comprehensive working capital financing solutions. Get expert guidance to choose the right facility and manage your cash flow effectively.