Working Capital Loan – Boost Your Business Cash Flow

Managing cash flow is essential to ensure that your business runs smoothly. A Working Capital Loan is designed to bridge financial gaps and keep your operations running smoothly. Now, loans of up to ₹100 Crore are available for eligible businesses.

Key Features of Working Capital Loans

Feature	Details
Loan Amount	₹50,000 – ₹100 Crore
Interest Rate	Starting at 10.5% p.a.
Tenure	6 – 60 months
Processing Time	24–72 hours
Repayment	EMI, Overdraft or Bullet

Types of Working Capital Loans

Term Loan

Fixed EMI over a set period, providing long-term financial support for your business's growth.

Overdraft

Flexible credit option where you only pay interest on the utilized amount, perfect for managing day-to-day expenses.

Cash Credit

Borrow against your inventory or receivables, providing you with a flexible line of credit for business expenses.

Invoice Financing

Advance funding based on unpaid invoices, improving your cash flow and allowing you to focus on business growth.

Trade Credit

Credit extended by suppliers for goods or services, allowing your business to pay later, helping with cash flow management.

Loan Usage

Pay staff salaries and vendors
Restock inventory and raw material
Expand or relocate office/workshop
Manage cash flow during off-seasons

Eligibility Criteria

Business operational for a minimum of 1 year
Minimum ₹50,000 monthly turnover
CIBIL score 650+
Applicant age between 21-60 years

Documents Required

PAN, Aadhaar
Business Registration or GST
Last 6-12 months Bank Statement
Last 1-2 Years ITR
MSME Certificate (optional)

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