Working Capital Loan
What is a Working Capital Loan?
A Working Capital Loan is a short-term financing solution that helps businesses cover day-to-day operational expenses such as payroll, rent, utilities, raw materials, and inventory purchases. It is not meant for long-term investments but to bridge temporary cash flow gaps and ensure smooth business continuity.
These loans are ideal for businesses experiencing seasonal fluctuations, delayed client payments, or increased short-term expenses. They provide liquidity without disrupting business savings or equity.
Working Capital Loans can be secured or unsecured depending on the lender's policies and the borrower’s credit profile.
Key Features :
- Purpose-Driven Financing: Specifically tailored to meet daily operational requirements.
- Loan Amount: Ranges from ₹50,000 to several lakhs based on business turnover and need.
- Short-Term Tenure: Flexible repayment duration from 6 months to 24 months.
- Minimal Collateral: Many lenders offer unsecured working capital loans.
- Interest Rates: Competitive and based on business credit score and repayment history.
Why Choose a Working Capital Loan ?
- Smooth Daily Operations: Maintain uninterrupted operations even during lean revenue periods.
- Bridge Cash Flow Gaps: Handle vendor payments, salaries, and bills without stress.
- Flexible Repayment Plans: Options aligned with business receivables or cash flow cycles.
- Quick Fund Access: Fast processing to help you act on business opportunities immediately.
Eligibility Criteria (General) :
- Business Vintage: Typically, 1 year or more in operation.
- Business Type: Proprietorships, partnerships, LLPs, and private limited companies.
- Annual Turnover: As per lender norms; stable cash flow is a key factor.
- Creditworthiness: A good credit score (ideally 650–700+) improves approval chances.
Why Take People
Loan from Wealth Finversity
Instant Approval & Disbursal
Quick digital approval process with minimal documents. Get
funds credited within 24–48 hours post-approval for
uninterrupted business operations and urgent financial
needs.
Flexible Repayment Option
Enjoy repayment flexibility with EMIs matched to revenue
flow. Options include step-up EMIs, bullet payments, or
early closure after six months, easing your financial
planning.
Unsecured Loans Available
Access funding without collateral. Ideal for small and
medium enterprises needing fast working capital support,
with simplified eligibility and a hassle-free process.
Short-Term, High-Impact
Use the loan for urgent expenses, seasonal needs, or to
negotiate better supplier terms with upfront payments.
Minimal Documentation
Only basic documents like GST returns, bank statements, PAN,
and business proof are needed for quick loan processing.
Transparent & Fair
No hidden fees or pre-closure penalties. All charges and
interest terms are communicated clearly during the process.
