Working capital
Working Capital Eligibility Calculator
Estimate indicative bank finance for working capital using the turnover method.
Business finance
Working Capital Finance for Your Business
Fund-based and non-fund-based facilities for day-to-day operations
Maintain healthy cash flow and keep your business operations running smoothly with Working Capital Finance from Loan2Business.
Every business needs adequate liquidity to manage daily expenses, purchase inventory, pay suppliers, meet payroll commitments and respond to new opportunities. Working Capital Finance is designed to help eligible businesses bridge short-term funding gaps without disrupting normal operations. Whether you are a manufacturer, trader, retailer, distributor or service provider, Loan2Business can help you explore suitable working capital financing options based on your business profile and requirements.
Benefits of Working Capital Finance
- Maintain smooth day-to-day operations
- Purchase raw materials and inventory
- Pay suppliers on time
- Manage salaries and business expenses
- Bridge temporary cash-flow gaps
- Handle seasonal demand
- Support increasing sales volumes
- Preserve internal cash reserves
Who Can Apply?
Working Capital Finance may be suitable for:
- Proprietorship firms
- Partnership firms
- LLPs
- Private limited companies
- Eligible MSMEs
- Manufacturers
- Traders
- Wholesalers and distributors
- Retail businesses
- Service providers
Eligibility is determined by the respective lender based on factors such as business vintage, turnover, profitability, banking behaviour, credit profile and documentation.
Eligibility & documentation
Typical requirements include:
- Business financial statements
- Income tax returns
- GST returns (for GST-based loans)
- Bank statements
- Business plan and KYC documents
Documents usually needed
Not needed to enquire. Lenders may ask for more or fewer, depending on the facility.
Proprietorship
- PAN and Aadhaar of the proprietor
- Business proof: GST registration, Udyam certificate or shop licence
- Bank statements for the last 6–12 months
- Income tax returns and financial statements for the last 2–3 years
Partnership or LLP
- Partnership deed or LLP agreement, and firm PAN
- PAN and Aadhaar of the partners
- GST registration and business address proof
- Bank statements for the last 6–12 months
- Income tax returns and financial statements for the last 2–3 years
Company
- Certificate of incorporation, MoA and AoA, and company PAN
- PAN and Aadhaar of the directors
- GST registration and a board resolution for the borrowing
- Bank statements for the last 6–12 months
- Audited financial statements for the last 2–3 years
Run the numbers
Indicative estimates, calculated in your browser.
Working capital
Drawing Power Calculator
Work out drawing power from stock and receivables, and the usable limit within your sanction.
FAQs
Questions about Working Capital Finance
What is Working Capital Finance?
Working Capital Finance is business funding intended to support short-term operational requirements such as inventory purchases, supplier payments, salaries and other recurring expenses.
Can working capital finance be used to buy stock?
Yes. Inventory and raw material purchases are common uses, subject to lender terms and permitted end-use conditions.
Is collateral compulsory?
Not always. Working capital facilities may be secured or unsecured depending on the product, lender and applicant profile.
How much working capital can I get?
The eligible amount depends on your turnover, cash flow, banking history, existing obligations, financial performance and lender assessment.
Can MSMEs apply?
Yes. Eligible MSMEs can explore various working-capital facilities subject to lender criteria.
Why Loan2Business?
- Multiple finance solutions under one platform
- Solutions for MSMEs, manufacturers, traders and service businesses
- Secured and unsecured lending options
- Working-capital and supply-chain financing
- Assistance with loan documentation and application
- Access to financing options from eligible lenders
Working Capital Finance
Need Working Capital for Your Business?
Keep your operations moving without allowing temporary cash-flow gaps to slow your growth.
Tell Loan2Business your funding requirement and explore suitable working capital options today.
Transparent by design
- Fees, where applicable, are disclosed in writing before you proceed.
- We never guarantee approval—final credit decisions and terms remain with the respective lender.
- We never ask for OTPs, passwords or unauthorised payments.
Offices in Mumbai & Pune · Supporting businesses across India
Tell us what you need
A funding specialist will get back to you with options for your business.
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