Working Capital Loan

Loans Images

A working capital loan is a financial boost for your business, offering a quick infusion of cash to help manage short-term operational needs. It’s designed to enhance your company’s liquidity, ensuring smooth operation without dipping into long-term investments or assets. This loan is especially beneficial for bridging gaps in cash flow, financing daily operations, or tackling unexpected expenses.

Feature of Working Capital Loan

  • Loan Amount: : Offers a wide range from ₹50,000 to ₹ 35 lakhs, catering to both small and large needs.
  • Fast Processing: : Applications processed on average within 72 hours, facilitating swift financial assistance.
  • Online Processing: A fully digital application process eliminates the need for physical visits, saving time and effort.
  • No Collateral Required: An collateral free business loan option, minimizing risk to your business assets.
  • Competitive Interest Rates: Interest rates start from 1.25% per month, tailored according to your credit profile.
  • Flexible Loan Tenure: Loan tenure varies from 1 to 36 months, supporting easy and convenient repayment options.
  • Processing Fee: A one-time fee of 2-5%, with no hidden costs, ensuring transparency.
  • Flexible Repayments: Offers the flexibility of monthly or bi-weekly installments.

Working Capital Loan Fees & Interest Rates

Customized Interest Rates Fair, Transparent – starting from 1.25% per month
Processing Fees 2-5%
Loan Tenureup to 3 years
Pre-closure Charges Pre-closure charges are applicable as per the lender’s policy
Eligibility Criteria > ₹ 90,000 turn over for 3 Months
Loan Amount ₹ 50,000 – ₹ 2 crore
Installments Flexible Monthly / Bi-weekly

*Based on the health of your business, revenues and annual turnover

**Pre-closures are only allowed after the first EMI is paid in full

To facilitate an easy assessment of your monthly financial obligations, consider utilizing our user-friendly

Loans Images

Eligibility Criteria

  • Business operational for more than 3 months.
  • Minimum turnover of ₹90,000 in the last 3 months.
  • Business not listed under the blacklisted/excluded category for SBA finance.
  • The business location should not be in a negative list area.
  • Trusts, NGOs, and charitable institutions are ineligible.

Documents Required

  • 1) Proof of business operation for over 3 months.
  • 2) Financial statements showing a turnover of ₹90,000 for the last 3 months.
  • 3) Proof that the business is not blacklisted or excluded for SBA finance.
  • 4) Verification of business location outside negative list areas.

Benefits of Working Capital Loan

  • Short-tenured Loan: With terms from 1 to 36 months, it’s perfect for covering immediate needs without long-term debt.
  • Handle Financial Difficulties: Provides a cushion during cash flow shortages, allowing your business to continue operations smoothly.
  • No Collateral/Security Required for Unsecured Loans: Keeps your assets safe while you access the funds needed.
  • Helps in Lean Periods: Offers financial stability during seasonal sales fluctuations, ensuring business continuity.
  • Spend at Your Discretion: The funds can be used for any business need, offering complete flexibility in managing your operations.

ITR File AY-2024-25 ₹ 499/- only

Why Choose Pksoftech?

Want Some More Reasons?

Theme Customizer

Choose your layout

Two Column
Semi Box
Color Scheme

Choose Light or Dark Scheme.

Layout Width

Choose Fluid or Boxed layout.

Layout Position

Choose Fixed or Scrollable Layout Position.

Topbar Color

Choose Light or Dark Topbar Color.


Choose a preloader.