Working Capital Loan for Your Business
Smooth day-to-day operations often depend on healthy cash flow. Explore working capital loan and overdraft options that may fit your business cycle, subject to lender assessment.
Discuss Your Working Capital Need
Tell us about your business cycle and funding gap, and we'll review applicable lender options.
Common Uses of Working Capital Finance
Working capital support is generally meant for short-term, recurring business needs rather than long-term asset purchase.
Inventory & Stock
Maintain adequate stock levels during peak seasons or bulk-purchase opportunities without straining cash reserves.
Receivables Gap
Bridge the gap between raising invoices and actually receiving payment from customers or clients.
Day-to-Day Operations
Cover salaries, rent, utility bills and other recurring operational expenses during lean periods.
Seasonal Demand
Businesses with seasonal demand spikes may use working capital lines to scale up temporarily.
Factors Considered for Working Capital Assessment
Exact criteria vary by lender, but these are commonly reviewed factors.
- Business vintage and nature of operations
- Annual turnover and GST filings
- Banking pattern and average balances
- Existing credit facilities and repayment track record
- Financial statements / ITRs for recent years
Working Capital Loan Questions
What is the difference between a working capital loan and a term loan?
A working capital facility is generally meant for short-term operational needs, while a term loan is typically used for longer-term investments such as machinery or expansion, repaid over a fixed tenure.
Is collateral required for working capital finance?
This depends on the lender and the facility type — some working capital options are unsecured while others may require collateral or a hypothecation of stock/receivables.
Can a new business apply for working capital finance?
Most lenders prefer a minimum business vintage and operating history, though requirements vary. Share your business details with us to check applicable options.
How is the working capital limit decided?
Lenders typically assess turnover, banking pattern, and financial statements to arrive at an eligible limit, subject to their own policy.
Need Working Capital to Keep Your Business Moving?
Share your business turnover and requirement — our team will help you explore applicable working capital options.