Home » Working Capital Loan
Need money for payroll, rent, inventory or utility bills? A working capital loan keeps your daily business running without slowing your growth. We help you compare options from our bank and NBFC partners. The lender gives the final approval.
LOAN AMOUNT
Based on your business needs
The lender sets your limit.
INTEREST RATE
Competitive
Depends on your company’s profile.
REPAYMENT
Flexible
Structured EMIs keep your cash flow predictable.
LOAN TYPES
7 options
Cash credit, overdraft, bank guarantee and more.
OVERVIEW
A working capital loan covers your day-to-day costs, such as payroll, rent, inventory and utility bills. It is different from a long-term loan used to buy assets or expand. Its job is to keep your cash flow smooth so you can meet your immediate bills.
It is useful when your sales go up and down with the season, when customers pay late, or when your income dips for a short time. You can keep running without using up your savings or giving up growth plans.
These loans come in several forms, including lines of credit, invoice financing and short-term business loans. Structured EMIs help you plan. Rates are often higher than long-term loans, so borrow with care. We guide you from choosing a lender to planning your repayments.
A working capital loan is right if
TYPES
Choose the structure that fits your cash flow. Your advisor explains how each one works.
Borrow up to a limit set by the lender, based on your needs.
Withdraw more than your account balance, up to a set limit.
A promise from the bank to cover a loss if a borrower does not meet the agreement. It builds trust between parties.
Access a fixed amount that you can draw and repay as needed. Good for costs that change.
A loan in foreign currency for businesses that trade internationally.
A short-term loan for exporters and suppliers to buy raw materials for goods they will export.
BENEFITS
Quick support for your daily business needs.
Meet your bills on time, even when sales or payments are slow.
Run your business without using your savings.
Pick from cash credit, overdraft, lines of credit and more.
REFER AND EARN
Tell them about us. We will help them explore their options.
ELIGIBILITY
Each lender has its own rules. Final eligibility depends on the lender’s checks.
What do lenders check?
Lenders want an established business with steady turnover.
For payroll, rent, inventory and bills. Cash credit, overdraft and line of credit facilities fit here.
Cash credit
Borrow up to a sanctioned limit
Overdraft
Withdraw beyond your balance, up to a set limit
Line of credit
Draw and repay as needed
For businesses that trade across borders.
Packing credit
For exporters buying raw materials
Buyers credit
For import payments and supplier terms
Foreign currency term loan
For international transactions
For deals where one party needs trust.
Bank guarantee
The bank covers a loss if the borrower fails to meet the agreement
Business trust
Helps you deal smoothly with other parties
Consultation
Ask your advisor if this fits your deal
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
Costs depend on the lender and your company’s profile. We explain every charge first.
Item
Typical
Notes
Interest rate
Set by the lender
Depends on your company’s profile. Often higher than long-term loans
Loan amount
Set by the lender
Based on your business needs and eligibility
Repayment
Short-term
Structured EMIs keep your cash flow predictable
Documents
See list below
Your advisor shares your full checklist
Processing and other fees
Set by the lender
We tell you every charge upfront
BEFORE YOU APPLY
A little preparation helps your loan move faster.
Know the age, business age and turnover rules before you apply.
Base it on what you qualify for. This helps approval and keeps payments manageable.
Cash credit, overdraft and lines of credit work differently.
Have 1 year of bank statements and GST filings, and 3 years of tax returns.
Find a payment your cash flow can handle.
Rates are often higher than long-term loans, so use the loan wisely.
Why Nihal Fintech
Walking into a bank gets you that bank’s answer. Coming to us puts your profile in front of the lenders most likely to approve it.
RELATED SERVICES
Looking for other financial solutions? Explore our loan and advisory services.
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
You need to be aged 21–65, run an established business for at least 3 years, and have an annual turnover of ₹1 crore or more. Check your eligibility with our team before applying to speed up the process.
Options include cash credit facilities, overdraft facilities, bank guarantees, lines of credit, foreign currency term loans, packing creit, and buyers credit. Our advisors help you pick the structure that best matches your business’s cash flow pattern.
You’ll need 1 year of bank statements, GSTR3B filings, business registration proof, company PAN, PAN/Aadhaar copies, and 3 years of IT returns (company and individual). Contact us for your complete, personalized document checklist.
A cash credit facility lets you borrow up to a sanctioned limit based on your business needs, while an overdraft facility lets you withdraw beyond your account balance up to a set limit. Both are designed for short-term cash flow gaps — our team can help you decide which fits better.
Yes, working capital loans are specifically designed to help businesses manage seasonal dips, delays in receivables, or temporary revenue gaps without disrupting operations or dipping into reserves. This makes them ideal for businesses with cyclical demand.
Working capital loans typically carry slightly higher interest rates than traditional term loans since they offer faster, short-term relief. Rates vary based on your company’s financial profile — get in touch for a rate tailored to your business.
Yes, facilities like packing credit and buyers credit are specifically designed for exporters and importers to finance raw material purchases and manage payment terms with international suppliers. Talk to our team about structuring the right facility for your trade business.
Share a few details and an advisor will call you to check feasibility.
Or call us:
Mumbai: +91 77009 44833
Ahmedabad: +91 99985 84455
