Features and benefits

  • Same-day approval*

    Same-day approval*

    The easy-to-meet eligibility criteria and a simple loan application process help expedite approval and disbursal.

  • Flexi facilities

    Flexi facilities

    With our Flexi loan, borrow as needed to manage your dynamic working capital needs at no additional cost.

  • Pre-approved loan deal

    Pre-approved loan deal

    You can opt for a pre-approved offer by simply sharing basic details. These further simplify the loan application process.

  • Online management

    Online management

    Know all your loan-related information with our customer portal and access all the information with ease 24/7.

A working capital loan is a type of advance that helps a business fund its day-to-day or short-term operations. This form of financing is a good source of capital for small and medium enterprises (SMEs). It is especially suitable for seasonal or cyclical businesses that don’t have sustained sales all year round and need liquidity to meet their everyday operating costs.

When used wisely, working capital can help in:

  • Managing sales fluctuations
  • Act as a cash cushion
  • Prepare your business to take up a bulk order
  • Boosts cash flow
  • Equip you to better leverage business opportunities

This is where the Bajaj Finserv Working Capital Loan comes into play, as it is loaded with features that can help fuel the growth of your business. With this offering, you enjoy an ample sanction of up to Rs. 45 lakh at a competitive interest rate and a flexible tenor that ranges up to 84 months.

*Terms and conditions apply

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Frequently asked questions

How do you calculate working capital requirements?

Working capital is calculated using this formula:

Working capital = Current assets - current liabilities

Current assets owned by the business include inventory, cash in hand, advance payments, etc. Current liabilities may include short-term debts, unpaid expenditures, outstanding payments to creditors, etc.

What is the interest rate of a working capital loan?

Bajaj Finserv offers attractive and competitive rates of interest on working capital loans, starting from 17% p.a.

What are the eligibility criteria for a working capital loan?

To avail of a working capital loan from Bajaj Finserv, you need to meet simple eligibility parameters like:

  • Nationality: Indian
  • Business vintage: At least 3 years
  • Age: 24 to 70 years*
    *Age should be 70 years at the time of loan maturity
  • Work status: Self-employed
  • CIBIL score: 685 or higher
How to apply for a working capital loan?

The process to apply for the loan is simple. All you have to do is fill the application form online by following these steps:

  • Click ‘APPLY ONLINE’ to visit the form
  • Enter your basic details and the OTP sent to your phone
  • Enter your KYC and business details
  • Upload the bank statement for the last 6 months and submit the application form

Our representative will contact you with further loan processing instructions.

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