How to Get Working Capital Loan Without Collateral

Step 1: Check if you qualify the eligibility criteria for the loan.

Age: 21 to 80 years*
(*age should be 80 years at loan maturity).

Work status: Self-employed

Business vintage: Minimum 3

CIBIL Score 685 or higher

Step 2: Fill in the online application form

Fill in your personal and business-related details to submit our short online loan application form. Get approval in just 48 hours* and meet your planned or unplanned business needs with ease.

Step 3: Keep your documents ready

Submit the following documents to our representative once your application is approved:

• KYC documents - Aadhaar/ passport/ voter’s ID
• PAN card
• Proof of business ownership
• Other financial documents

To plan funding accurately, learn how to calculate your business working capital requirement.

• A working capital term loan supports inventory purchases, payroll, and vendor payments without pledging collateral.
• The working capital turnover ratio shows how efficiently short-term funds generate sales.
• Managing the working capital cycle helps balance cash inflows and outflows across operations.
• The working capital ratio indicates short-term liquidity and ability to meet current obligations.
• Understand the difference between net working capital and working capital to assess liquidity more precisely.

*Conditions apply

Helpful resources and tips for business loan borrowers