Short-term Working Capital

Short-term working capital refers to funds that help you finance the daily operations of your business. These include inventory or raw material purchase, staff salaries, warehouse or office rent, electricity and maintenance, short-term debt and more.

You can take a short-term business loan from Bajaj Finance and manage the day-to-day running of your business when short-term working capital is low. Our short-term working capital loans make applications easy with simple eligibility criteria and minimal documents and make repayment affordable. A long tenure helps you pay small monthly instalments, and an attractive interest rate allows you to repay stress-free.

Our Flexi facility also helps you manage working capital needs effectively by enabling you to withdraw what you need from your sanction and part-prepay at no extra charge. 

*Conditions apply

Short-term sources of working capital are the sources of capital that are available to a business for less than one year. They are used to finance the current assets or the day-to-day operations of a business. Some of the short-term sources of working capital are:

• Trade credit: It is the credit extended by the suppliers of goods or services to their buyers on credit terms.
• Bank overdraft: It allows a business to withdraw more money than it has in its bank account, up to a certain limit.
• Bills discounting: It is a process of selling bills of exchange or promissory notes to a bank or a financial institution at a discounted rate before their maturity date.
• Public deposits: It is a method of raising funds from the public by inviting them to deposit their surplus money with the business for a fixed period and interest rate.
• Short-term loans: It is a loan that has to be repaid within one year or less. It can be obtained from banks, NBFCs, or other financial entities.