Working Capital

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Working Capital

Driving Success with Tailored Working Capital Solutions

A working capital loan is a loan used by companies to cover day-to-day operational expenses.It is basically the investment in current assets like raw materials, stores, semi-finished goods, finished goods, sundry debtors etc. (Financial assistance given to entities to help them run their business). 

Its a indicator of the short-term financial position of an organization and is also a measure of its overall efficiency. It is derived from several company operations such as debt and inventory management, supplier payments and collection of revenues. It represents the money that is required for purchase / stocking of raw materials, payment of salary, wages, power charges etc. and also for financing the interval between the supply of goods and the receipt of payment thereafter.

Working Capital Eligibility Criteria

Unsecured - Working Capital - Loan - Self Employed

Benefits

You’ll be ready to do funding and expand your business potential. you will be ready to get lower rate compare to private loan. Lenders usually don’t charge defrayment charges just in case of loan against property. The instant you repay the amount, you win it back for yourself. There aren’t several restrictions on the approach to utilize the funds once it involves LAP. You get the advantage of paying the loan either through equated monthly installments or draft facility, whichever is appropriate. LAP loans square measure usually longer tenure intensifying to fifteen years. If it’s longer tenure lower the EMI.

Feature

By keeping residential likewise as business properties as mortgage you’ll be ready to get LAP. You will be ready to pay off multiple debts by transportation them underneath a singular debt, therefore it’s proves to be the simplest manner for debt consolidation. There’s associate degreeinverse relationship between tenure and EMI. Longer the tenure lower are the EMI and the other approach around. As these square measure accessible for extended tenure.

Working Capital Types

Where Opportunities Flourish with the Right Capital Support

Overdraft

Loan arrangement under which a bank extends credit up to a maximum amount (called overdraft limit) against which a current (checking) account customer can write checks or make withdrawals. The most common form of business borrowing, an overdraft is a type of revolving loan where deposits (credits) are available for re-borrowing, and interest is charged only on the daily overdraft (debit) balance.
Overdraft

Cash Credit

Cash credit is a type of short term loan provided to companies to fulfill their working capital requirement. Overdraft is a facility given by the bank to companies, to withdraw money “more” than the balance available in their respective accounts. This product comes with secured and unsecured facility.The secured loan amount depends on the sales growth and colatral offered.​
Cash Credit

Bill Discounting

Bill Discounting’ or invoice discounting refers to the pre-sale of bills to an intermediary (an invoice factoring business) before their payment date, deducting administrative charges, fees, and interest. Bills and invoices, technically termed 'bills of exchange,' facilitate early access to funds, offering businesses a means to enhance cash flow by securing capital ahead of scheduled payments.
Bill Discounting

Letter of Credit

A letter of credit is a letter from a bank guaranteeing that a buyer’s payment to a seller will be received on time and for the correct amount. In the event that the buyer is unable to make payment on the purchase, the bank will be required to cover the full or remaining amount of the purchase OR Letters of credit are formal trade instruments and are used usually where the seller is unwilling to extend
credit to the buyer.
Letter of Credit

Foreign Currency Term Loan

Foreign Currency Term Loan (FCTL) is the substitute for INR Term Loans, sourced from self-raising foreign currency funds. It's ideal for naturally hedged clients, allowing regular exporters to repay using export receivables, creating a natural hedge against $ receivables. Interest on FCTL in USD can only be serviced through USD receivables, requiring regular un-hedged export receivables for repayment.
Foreign Currency Term Loan

Bank Guarantee

A bank guarantee assures a lending institution that a debtor's obligations will be fulfilled. If the debtor defaults, the bank covers the debt. This non-fund based working capital financing supports international and domestic trade, serving as a significant banking arrangement. Bank guarantees play a crucial role by ensuring financial security and facilitating trade transactions on both global and local scales.
Bank Guarantee

Term loan

A commercial loan with repayment terms exceeding a year, featuring a fixed interest rate and often structured as a line of credit. Borrowers access funds as required, paying a fixed amount based on the outstanding balance. These loans cater to both industrial and non-industrial projects, determining ROI based on project nature, loan amount, risk rating, repayment period, and debt structure.
Term loan

Factoring or Advances

Loan Against Credit Card Swipes’ or ‘Loan Against EDC Sales’ empowers retailers to access funds based on card sales. It aids merchants seeking working capital for business expansion. While unconventional, these loans offer quick access, making them highly favorable for urgent financial needs. Business owners seeking immediate credit can opt for these loans leveraging credit card sales.
Factoring or Advances

Net Working Capital

Net working capital is derived by deducting a company's current liabilities, such as accounts payable and short-term debts, from its current assets. A positive net working capital reflects a financially robust position, signifying that a business has more resources to meet short-term obligations, thereby indicating its ability to sustain operations
effectively.
Net Working Capital

Working Capital Partners

Working Capital Tips