Working Capital Loan ✔ Working Capital Finance upto 30 Lakh within 24 Hours ✔ Nominal Interest Rates ✔ Minimum Documentation ✔ Collateral Free Loans ✔ Door Step Service

What is a Working Capital Loan?

A working capital loan is a source of finance that funds the daily operations of a company, including bills that need to be paid, cash flow requirements, employee salaries, and other everyday costs. Essentially, a working capital loan makes cash available to fulfil a company’s short term operational needs.

Working Capital Loan: Features and Benefits

Loan up to Rs. 30 lakhs in 24 hours:

Bajaj Finserv, offers working capital finance in just 24 hours, which means that your business’s daily operational expenses won’t suffer from any hindrances.

No collateral required:

Bajaj Finserv offers unsecured working capital loans. This enables you to get finance without pledging any collateral upfront to take a working capital loan.

Doorstep Service:

Once you apply for a working capital loan, we offer doorstep service at your convenience to pick up your documents and help process your loan faster.

Business Line of Credit:

Pay 45% Less EMI when you take a working capital loan as a business line of credit. Under this facility, you get a fixed credit line for a set tenor. Withdraw and repay funds as many times as you need from within the credit line. Pay only interest as EMI, which reduces the burden of regular repayment.

Minimum Documentation:

You need to submit only your KYC documents, a passport-sized photograph, proof of business vintage, and relevant financial documents, in order to apply for a working capital loan.

Interest Rates and Charges

Type of Fee Charges Applicable
Interest rate 16-35%
Processing fee Up to 2%
Loan statement charges NIL
Part-repayment charges NIL*
Interest and principal statement charges NIL
EMI bounce charges Rs. 2,500 per bounce*
Penal interest 2% per month

*Applicable after the first EMI is cleared.

Check your EMI using our Business Loan EMI Calculator

Eligibility Criteria

  • Self-employed individuals who have been running a business for a minimum of 3 years.
  • Entities like partnerships, limited liability partnerships, private limited companies, and closely held limited companies.
  • Other applicant types, depending on their profile, on a case-to-case basis.

Documents Required

Passport-sized photograph

KYC documents

Certificate of business establishment as proof of business

Audited turnover of the previous year

Bank account statement of at least 2 previous months

How to Apply

You can apply for a business loan by filling in the online application form business loan here.

Within 24 hours, our representative will call you with your pre-approved loan offer.

Once you submit the required documents with our representative, your loan will be sanctioned and the money will be deposited in your bank account in 24 hours. This is subject to your documents being verified.

Have questions? Get all your answers here.

Line of credit facility

Business loan allows you to avail ‘line of credit’ facility, also known as ‘flexi line’. Line of Credit is a unique credit facility given to our loan applicants, wherein you are approved for certain limit of credit/ loan, for a said duration. The monthly instalment for Line of Credit will consist only of the interest amount and will not have a principal component on a monthly basis. The principal amount of loan is to be repaid at the end of the tenure of the facility. Hence, it acts as a big saving arm to your cash flows.

Benefits of Line of Credit

  • Your monthly instalment is only the interest amount charged for the month, unlike any other term loan.
  • Access all your loan related information or transactions online at our customer portal
  • You can opt to part- prepay your loan amount, anytime of the year, with no additional charges.
  • No additional cost levied on withdrawals/ drawdown
  • Convert your term loan into line of credit, anytime of the year
  • Bullet repayment option available at the end of the year.

As an existing customer of Bajaj Finserv, you will be eligible to get exclusive pre-approved offers from us. These offers may include a top-up loan or even reduction of rates from time to time.

Online account access

Once you’ve availed a Business Loan from Bajaj Finserv, you can get all information about your loan like payment schedule, interest certificate, repayment track and key information related to your loans through our digital customer portal.

You can apply for a Business Loan or check out our Business Loan FAQs to know more.


Contact Us

For existing customers

Follow these simple steps to use our toll free IVR

  • Dial 020 3957 4151
  • Enter your 7-digit BFL Customer ID
  • Select from various IVR options
  • Access IVR in 10 languages : English, Hindi, Bengali, Marathi, Punjabi, Gujarati, Tamil, Telugu, Kannada and Malayalam


Write to us at with your queries

SMS updates

SMS <<keyword below>> to +91 92275 64444
GETEMAIL for your current email address
UPDEMAIL <New email> to update your email address
GETADD for your current registered email address
CUSTID to know your customer ID
LAN to know your Loan Account Number
EMI LAN to know your loan/ EMI details
EXPERIA to know your Experia user ID and password
PIN to know your 4 digit EMI card PIN
FEEDBACK to give your valuable feedback
SAT Y Give a positive feedback
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(Your mobile number should be registered with us for this facility). Standard SMS Charges applicable

Visit our branch to:

  • Change mode of payment (Swapping)
  • Purchase / cancel an Insurance Policy
  • Foreclose your loan
  • Claim a refund

To know the address of your nearest branch click here

Follow these simple steps to log on to our Customer Portal (Experia)

  • Visit
  • Log in using your username / mobile number / email id and password
  • Access all loan details
  • Manage your loans
  • View special offers