Working Capital Loans
Overdraft, cash credit, and revolving credit to manage daily operations and cash flow.
Key Features
Loan Amount
₹5 Lakh – ₹20 Crore
Interest Rate
12% – 18% p.a.
Tenure
Revolving (renewed annually)
Processing Fee
0.5% – 2%
Collateral
Stock/receivables as security
Approval Time
3 – 10 business days
What You Can Use Working Capital Loans For
Common use cases and how businesses leverage this financing.
Cash Credit
Revolving credit facility against stock and receivables.
Overdraft Facility
Withdraw beyond account balance up to sanctioned limit.
Invoice Discounting
Get immediate cash against outstanding invoices.
Vendor Financing
Pay suppliers upfront and repay lender in installments.
Eligibility Criteria
- Business vintage of at least 1 year
- Positive cash flow from operations
- GST registration required
- Current ratio above 1.2
- No major defaults in last 12 months
Documents Required
- GST returns (last 12 months)
- Bank statements (last 12 months)
- Stock/debtors statement
- Audited financials (last 2 years)
- KYC of proprietor/directors
Available Business Loan Products
Compare rates from our lending partners.
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