Working Capital Loan for IT Company

A working capital loan is a financial solution designed to help IT companies manage their day-to-day operational expenses, such as payroll, software licensing, utility bills, and other short-term needs.

Managing day-to-day operations requires a steady flow of working capital, especially when there are mismatches between payables and receivables. If your company faces cash flow gaps, a working capital loan can provide the financial cushion needed to seize market opportunities and ensure smooth operations. We specialize in ensuring that IT companies have the funds to maintain efficient cash flow and manage ongoing expenses effectively, enabling you to keep pace with business demands.

Key Features of Working Capital Loan

(*T&C Applied)

Working Capital Loan Benefits for IT Company

Maintain smooth cash flow for daily business needs, like salaries, software licensing, or utility payments.
Quickly address market demands, invest in new projects, and scale operations without cash flow interruptions.
Use funds as needed, whether for bridging receivables, upgrading infrastructure, or funding short-term commitments.
Many working capital loans are unsecured, making it easier for IT companies to access funds.
IT companies can quickly address urgent financial needs with fast loan approvals and disbursements.

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Working Capital Loan Eligibility for IT Company

Eligibility criteria typically include:

A minimum operational history (usually 2-3 years).
Consistent revenue and profit records.
A strong credit score (CIBIL) and financial stability.
No previous loan defaults with any financial institution.

WCL Documents for IT Company

To obtain a working capital loan for an IT company, it is crucial to have the following essential documents:

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)

Working Capital Loan for IT Company at Terkar Capital

Efficient management of day-to-day operations is crucial for IT companies, especially when there is a time gap between receivables and payables. If your business faces cash flow challenges, a working capital loan can bridge the gap, providing the financial stability needed to meet business demands. At Terker Capital, we ensure that IT companies have the funds to maintain smooth operations, meet urgent expenses, and capitalize on growth opportunities without financial disruption.

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Working Capital Loan FAQs for IT Company

IT companies often face cash flow gaps due to delays in receivables or upfront investments in projects. Working capital loans provide the liquidity needed to maintain smooth operations and meet business demands.

Yes, many working capital loans for IT companies are unsecured, meaning they do not require collateral.

These loans can be used for bridging receivables, paying employee salaries, upgrading IT infrastructure, covering operational expenses, or managing short-term obligations.

At Terkar Capital, we ensure a quick approval and disbursal process, so IT companies can access funds promptly to address urgent financial needs.

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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.