Get the funds your business needs to manage daily operations and maintain cash flow. Nihal Fintech helps businesses explore working capital financing options from banks and NBFCs based on their financial requirements. Compare suitable options and get assistance with the application process. The lender makes the final lending decision
LOAN AMOUNT
As per business needs
The eligible amount depends on your business requirements and lender assessment.
INTEREST RATE
Based on lender terms
Interest rates vary depending on the lender and your business profile.
TENURE
As per loan terms
Repayment tenure depends on the selected financing facility and lender.
PROCESSING FEE
Varies by lender
Applicable processing fees and charges depend on the lender’s terms.
OVERVIEW
A business needs sufficient working capital to manage daily operations, purchase inventory and meet regular expenses. A Working Capital Loan can help businesses manage short-term financial requirements without disrupting their operations.
For businesses in Ahmedabad, managing cash flow can become challenging when customer payments are delayed, inventory needs increase or supplier payments are due. Having access to suitable working capital financing can help address these requirements.
At Nihal Fintech, we help businesses explore working capital financing options from banks and NBFCs. We understand your business requirements, help compare available lending options and assist you through the application process. The final loan approval and terms are decided by the lender.
A Working Capital Loan may be suitable if:
OUR AHMEDABAD OFFICE
Our Ahmedabad office
OUR AHMEDABAD OFFICE
OUR AHMEDABAD PARTNERS
Stop by our office or give us a call. We will show you which of these lenders fit your business.
BENEFITS
We help businesses explore suitable working capital financing options and understand the lending process with clear guidance at every step.
Explore working capital loan options from banks and NBFCs based on your business requirements.
Understand the documents required for your working capital loan application and prepare them accordingly.
Get guidance with lender selection, application requirements and the loan application process.
Send them our way and we will take care of the rest.
ELIGIBILITY
Businesses that need funds to manage day-to-day operations and short-term financial requirements can explore working capital financing. Eligibility depends on the business structure, financial position and lender-specific criteria.
What do lenders look for?
Lenders generally assess the business’s financial health and its ability to repay the loan.
You run the business as its sole owner. Lenders assess your business turnover, bank statements and financial position. Requirements vary by lender.
Identity proof
PAN card and applicable identity proof
Business proof
GST, Udyam certificate
Bank statements
Recent business bank statements
Tax records
Income Tax Returns, as required by the lender
You operate the business with one or more partners. Lenders may assess the firm’s financial performance, partnership details and partners’ KYC documents.
Identity proof
PAN and identity proof of partners
Business proof
GST, Udyam certificate or Shop Act, where applicable
Ownership proof
Partnership deed
Bank statements
Recent business bank statements
Your business operates as a registered company. Lenders assess the company’s financial performance, ownership structure and directors’ details.
Identity proof
PAN and identity proof of directors
Business proof
Certificate of Incorporation and applicable registrations
Ownership proof
MOA and AOA
Financials
Balance sheet and Profit & Loss statement
Work out your EMI and get the exact list of papers lenders ask for.
For planning only. Your lender confirms the final EMI.
RATES, FEES AND CHARGES
The cost of a working capital loan depends on the lender, financing facility and your business profile. Understand the applicable interest rate, processing fees and other charges before choosing a loan.
Item
Typical
Notes
Interest rate
Set by the lender
Depends on your business profile, creditworthiness and loan facility.
Processing Fee
As per lender
Confirm the applicable processing fee before applying.
Security Required
Depends on loan type
Collateral requirements vary by financing facility and lender.
Foreclosure Charges
As per lender terms
Check whether any charges apply to early loan repayment.
Other Charges
Varies by lender
Review applicable documentation and other fees before accepting the offer.
BEFORE YOU APPLY
Get ready before you apply. It can make the process smoother.
Prepare PAN, GST records, bank statements and financial documents.
Check your credit history and existing loan repayment records.
Explore CC, OD or other financing options based on your needs.
Calculate how much working capital your business actually requires.
Maintain Financial Records
Keep GST returns, tax records and business accounts updated.
Review interest rates, processing fees, repayment terms and other charges.
RELATED LOANS
Not sure this loan is the right one? See these options.
How we work
At every step you know what is happening, who is handling it and what you get at the end of it.
01
We look at your income, credit history, assets and existing loans, and tell you honestly what is possible.
who
You + your advisor
You get
A clear idea of what you can get
02
We pick the banks and finance companies whose rules fit your profile, so you apply where approval is likely.
who
Your advisor
You get
A short list of lenders
03
We give you one checklist, collect your papers and check them before the lender sees your file.
who
You + your advisor
You get
A complete, checked file
04
We present your case to the chosen lender and handle their questions for you.
who
Your advisor
You get
No need to chase the lender
05
We compare the offers and try to get you better rates, fees and terms where possible.
who
Your advisor
You get
Offers you can compare
We follow up on the final steps until the money reaches you.
who
You + your advisor
You get
Funds in your bank account
CASE STUDY
A recent case from our work.
WORKING CAPITAL ENHANCEMENT
A Mumbai-based engineering components manufacturer with ₹60 Cr turnover and 12 years in business. Its existing ₹4 Cr cash credit limit no longer matches its order book.
Our approach: assess the working capital need from audited financials, the stock and debtor cycle, and the order pipeline. Then propose increasing the limit to ₹8 Cr, backed by stock and book debts, with the factory land and building as additional security.
Client
Engineering manufacturer, Mumbai
Turnover
₹60 Cr
Structure
Cash credit enhancement (₹4 Cr → ₹8 Cr)
Security
Factory land & building, valued ~₹12 Cr
A Working Capital Loan is a type of business financing used to manage everyday operational expenses. Businesses can use these funds for inventory purchases, supplier payments, salaries, utility bills and other short-term financial requirements.
You can contact Nihal Fintech to discuss your business financing requirements. Our team helps you understand available loan options, compare lending terms and prepare the required documents before submitting your application to the selected lender.
Proprietorships, partnerships and private limited companies may explore working capital financing. Lenders generally evaluate business vintage, turnover, cash flow, credit history and financial documents before determining eligibility.
Commonly requested documents include PAN, business registration proof, GST returns, bank statements, Income Tax Returns and financial statements. The exact documentation requirements depend on the lender and business constitution.
The Working Capital Loan interest rate varies depending on the lender, loan facility, business financial position and credit profile. You should compare the applicable interest rate and other charges before selecting a financing option.
Share a few details and an advisor will call you to check feasibility.
Or call us:
Mumbai: +91 77009 44833
Ahmedabad: +91 99985 84455
