Working capital is an essential financial resource for any growing company, especially when cash flow is tight and operational demands are high. For businesses, particularly a pharmaceutical company, managing cash flow effectively is key to sustaining growth and ensuring stability. Whenever your payables are immediate, but receivables are delayed, you find yourself in urgent need of working capital to bridge the gap. Not only limited to debtors- and creditors, sometimes it is for the working capital as well.
Secured working capital up to 50 Cr
Competitive Interest Rates
Increases cash flow and sales
Quick processing with minimal documentation
Flexible Loan repayment (up to 60 Months)
(*T&C Applied)
In the pharmaceutical Company, the working capital cycle is the time it takes for a company to turn its assets and liabilities into cash. The pharma companies typically purchase raw materials on credit terms, but the production process often takes longer due to stringent regulations, quality checks, and compliance requirements. Once the medicines or other products are manufactured, they may remain in inventory until sold to downstream buyers like wholesalers or pharmacies. Adding to the complexity, payment terms from customers are often extended, leading to delays in cash inflows.
This extended cycle creates a gap between cash outflows (for procuring raw materials and production) and inflows (from customer payments). Without efficient management, this gap can strain a company’s liquidity, impacting its ability to fund daily operations or invest in critical areas like research and development (R&D). Hence, Managing the working capital cycle effectively is crucial for pharmaceutical companies.
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At Terkar Capital, we always make sure you have a decent cash cushion available to encash market opportunities and justify your demand-supply with better cash flow. Cover cash flow gaps and manage daily operations with a working capital loan designed for pharmaceutical companies.
We provide tailored working capital loans, specifically catering to the financial requirements of the pharmaceutical company. We provide end-to-end support, ensuring quick loan approvals and disbursements with favourable terms. Whether for inventory management, operational expenses, or expansion, our working capital loans are designed to keep your business running smoothly while maintaining financial flexibility.
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Yes, pharmaceutical startups can apply for working capital loans. However, the approval largely depends on the startup's financial health and credit history.
Yes, many lenders offer unsecured working capital loans, particularly to established pharmaceutical companies with strong cash flows and creditworthiness.
The processing time for a Working Capital Loan for a pharmaceutical company typically ranges from 7 to 14 days, Subject to multiple factors.
Working capital loans meet short-term operational needs like purchasing materials, managing inventory, and covering payroll. They can indirectly support expansion by ensuring sufficient liquidity for scaling operations, fulfilling larger orders etc
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