Working capital

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What is Working Capital Loan?

A working capital loan is a type of advance that helps a business fund its day-to-day or short-term operations. A working capital business loan can be used for various purposes.

Usually, working capital finance is not used for long term investments but it can be used to cover the daily expenses of a business. A working capital loan is a perfect financial solution for companies with high seasonality or cyclical sales as they can use the required funds during the period when the business activities are less.

Uses of working capital loan

  • Procure raw materials
  • Purchase inventory
  • Pay for overhead costs like electricity, rent, salaries and other utilities
  • Finance blocked payments from debtors
  • Pay suppliers in advance
  • Maintain a healthy level of cash

Who needs working capital loans?

This form of financing is a good source of capital for small and medium enterprises (SMEs) and is especially suitable for seasonal or cyclical businesses that don’t have sustained or stable sales all year round and need liquidity (cash in hand) to meet their everyday operating costs.
Seasonal businesses manufacture during the off-season to be able to sell aggressively during the peak season. As a result, they receive a chunk of payments only during the peak season, while through the rest of the year, they need funds to sustain operations and for this working capital finance is a great choice.

When do you need a working capital loan?

There can be several times when your business can need small business working capital financing.
This mode of finance:

  • Helps you manage sales fluctuations
  • Acts as a cash cushion
  • Prepares your business to take up a bulk order
  • Stabilises and boosts cash flow
  • Equips you to leverage business opportunities

To help you fuel your business’s growth, Bajaj Finserv offers easy working capital loans up to Rs.45 lakh at an interest rate starting from 17%, that can be conveniently repaid across a tenor going up to 84 months.

Working Capital Loan: Features and Benefits

  • Unsecured working capital loan up to Rs.45 lakh

    Working capital finance up to Rs.45 lakh can be availed without providing any security to help you continue running your business without any financial roadblocks. These business capital loans thus keep your assets safe.

  • Hassle-free loans approved in 24 hours

    Easy-to-meet eligibility criteria and a quick loan application process make it easy to avail working capital finance. Bajaj Finserv approves your working capital loan application in 24 hours and you only have to submit a few documents to avail the capital finance.

  • Flexible withdrawals and repayments

    A unique offering from Bajaj Finserv, Flexi Loans are the smartest way to manage your dynamic working capital needs. With this working capital facility, you can borrow and pay interest only what you need. Here, you can repay the loan as you receive payments at no prepayment charge. This facility helps you lower your working capital loan EMIs by up to 45%.

  • Pre-approved offers

    Pre-approved offers

    Bajaj Finserv brings you pre-approved offers on your working capital loan application, which not only simplifies the loan process but also helps you save on time. Just share a few basic details and check your pre-approved offer.

  • Education loan scheme

    Track your working capital loan online

    Know all your loan-related information with an easy-to-use online account. Through Experia, Bajaj Finserv’s customer portal, you can see all the details pertaining to your working capital loan at a glance. This includes account statements, outstanding balance and more. You can also request additional working capital funds or make payments towards your capital loan through this account.

Working Capital Loan FAQs

How do you calculate working capital requirement?

Working capital is calculated by subtracting the value of all current liabilities from that of the current assets.

Working capital = Current Assets - current liabilities.

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

What is a working capital loan and how does it work?

A working capital loan is a credit facility that helps in financing the daily operations or short-term needs of a business, like raw material procurement, inventory purchase, staff salaries, etc.

Bajaj Finserv offers an instant working capital loan up to Rs.45 lakh that comes with quick approval in just 24 hours*. With easy-to-meet eligibility criteria and minimal paperwork, this business capital funding solution offers various attractive benefits such as collateral-free credit, Flexi facility and doorstep document collection facility.

What is the interest rate charged for SME working capital loan?

Bajaj Finserv offers competitive rates of interest on working capital loan, starting from 17%.

Where to get SME working capital loans for small businesses in India?

If you have a small business and need instant funds to meet urgent expenses, you can opt for a working capital loan from Bajaj Finserv. One of the best working capital loans in the market, this financial solution requires no collateral and offers a high-value loan of up to Rs.45 lakh. The working capital loan from Bajaj Finserv comes with money in bank in just 24 hours* and requires only a handful of documents to avail it.

What are the eligibility criteria for working capital business loans in India?

To avail a fast working capital loan for a new business in India, you need to meet these simple eligibility criteria:
  • Age between 24 to 70 years*
    (*Age should be 70 years at loan maturity.)
  • A minimum of 3 years of business vintage

The process to apply for the loan is simple:

The process to apply for capital finance is simple.

What is loan capital of a company?

The loan capital of a company is the amount of finance raised by the business from an external institution. This type of capital finance provides funds needed for business requirements like daily operations, buying new machinery, maintaining cash flow, expansion of business, etc.

Bajaj Finserv offers business loan capital of up to Rs.45 lakh that comes with a flexible repayment tenor of up to 84 months and the Flexi facility that reduces your EMIs by up to 45%*.

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