Unsecured Working Capital for IT Company

In some cases, IT businesses may not need physical collateral to run their operations. Fortunately, the absence of collateral doesn’t limit your funding options. At Terkar Capital, we understand the unique needs of IT companies and can help raise funding without requiring fixed assets. Whether your business is in its early stages or expanding rapidly, we provide tailored unsecured working capital loans to meet your operational requirements. It also offers fast, flexible, collateral-free funding for IT businesses, both startups and established firms.

Key Features of Unsecured Working Capital Loan

(*T&C Applied)

Unsecured Working Capital Advantages for IT Company

No need to pledge your assets to access the funding
You can get funding in a short time to meet urgent financial needs
IT companies use the funds for payroll, vendor payments, software upgrades, or infrastructure development.
With Unsecured working capital, you can address the cash flow gaps, ensuring smooth operations.
The loan amounts are also tailored to suit startups or large IT firms.
As there is no risk to assets, the company retains ownership of your infrastructure while accessing capital.

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Unsecured Working Capital Eligibility for IT Company

No collateral required, reducing risks for the borrower.
A minimum operational history of 2 to 3+ years. Startups may also explore, but terms could differ.
The business should demonstrate the company’s steady financial health and repayment capacity
A good business CIBIL Score
Quick approval and disbursement process.
All necessary documents required to qualify for funding

UWC Documents required for IT Company

Unsecured working capital loans require the documents below.

This is very important, as documentation can be a significant factor in obtaining a UWC facility. However, the length of the process is determined by the availability of documentation.

Adhar Card (complete page)
Pan Card
Latest Electricity Bill
Current Rent Agreement
Passport Size Photo

GST Certificate
MOA, AOA, Pan Card,
Shop Act / Trade License
Certificate of incorporation
Shareholding Pattern
Partnership Deed
Current electricity bill and
Rent Agreement

(as applicable)

All account Bank statements (For the last 12 months)
All current loan sanction letters

Last 2 years’ complete Financials
GST Returns (for last 12 months)

Unsecured Working Capital for IT Company at Terkar Capital

Terkar Capital provides hassle-free, unsecured working capital loans to meet the dynamic needs of IT companies across India. We simplify the loan process with expert guidance and easy documentation. Our loans enable IT businesses to fund projects, manage cash flow and capture market opportunities without risking their assets. We maintain complete transparency in loan disbursement, repayment plans and terms. Headquartered in Pune, with a corporate office in BKC, Mumbai, Terkar Capital is committed to helping IT companies expand their operations nationwide. Let’s explore!

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Unsecured Working Capital FAQs for IT Company

You can contact us directly through our website, Call/WA/email us, or by visiting our offices in Pune or Mumbai. Our team will guide you through the entire loan process.

We prioritize businesses with good credit scores. However, loan eligibility is also based on factors like consistent revenue, business potential, and industry trends.

If a company can't repay a loan on time, lenders might charge penalties or extra interest. Borrowers facing financial difficulties should communicate promptly to explore possible solutions.

No. At Terkar Capital, we maintain complete transparency regarding processing fees. We charge you only on success, with no upfront fees.

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Terkar Capital is a registered brand of Terkar Global Financial Development Pvt Ltd, an Investment Banking Firm with a national footprint. We work extensively with professionals and businesses of all sizes to arrange debt funding instruments.