Working Capital Loan - Flexible Funding to Boost Your Business Cash Flow

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What Are Working Capital Loans ?

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EMI Calculator

Loan Type
Monthly EMI ₹ 8,791
Total Payment ₹ 1,05,493
Total Interest ₹ 5,493
Loan Amount
₹ 
₹ 1,00,000₹ 5 Cr
Interest Rate (p.a.)
%
1 %40 %
Loan Tenure
Months
1 Month360 Months
95% Principal
Principal Amount ₹ 1,00,000
Interest Payable ₹ 5,493
Principal95%
Interest5%

Types of Working Capital Loans

Foreign Currency Term Loan

This type of loan is available in foreign currency and is suitable for businesses involved in international transactions, helping in managing currency fluctuations and facilitating global trade.

Packing Credit Facility

A short-term loan provided to exporters and suppliers to finance the purchase of raw materials for the production of goods for export.

Buyers Credit Facility

This allows businesses to raise short-term funds to improve cash flow, finance imports, and manage payment terms with suppliers, enhancing business operations and growth.

Eligibility Criteria

Eligible Applicants: Individuals aged between 21 to 65 years, running an established business for a minimum of 3 years, with an annual business turnover of at least Rs. 1 Crore or more.

Working Capital Loan Fees & Rates

While our interest rates differ based on the company’s profile, we promise competitive rates tailored for you.

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    Bank statement (Last 1 year)
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    Need a Valid Address Proof
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    Partnership deed (if applicable)
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    GSTR3B for last 1 year
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    Business registration proof
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    Company PAN card
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    PAN & Aadhar card copies
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    3 Years IT Returns (Company & Individual)

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Frequently Asked Questions

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.

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