Unsecured Working Capital Loan

Working capital is a significant component of a business. Be it small/medium, or large scale, it is striving to succeed. However, sometimes procuring a debt is difficult without pledging an asset or collateral. That’s where an unsecured working capital loan comes to the rescue.

No collateral working capital is a powerful instrument for businesses in need of funds. It is perhaps the most convenient type of funding process, requiring minimal or no collateral.

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Key Features of Unsecured Working Capital Loan

(*T&C Applied)

Advantages of Unsecured Working Capital Loan

Collateral is not required, and thus leads to a much faster turnaround time.
Multiple debt instruments can be explored, specific to your business.
Improves turnover ratio and current obligations by optimizing working capital finance requirements.
Flexible repayment terms of 3 to 5 years based on the borrower’s creditworthiness.
You will be charged only for the amount you used.

Unsecured Working Capital Loans Eligibility

The age of the owner/shareholder must be between 21 and 65 years old.
The business should be operational for at least 3 years (Criteria may vary per financial institution.)
Credit score, stability, and repayment history are significant factors.
There should be no previous loan defaults with any lender.
This facility can be arranged for all financial institutions except HUF.

Why choose an Unsecured Working Capital Loan?

Finance is considered the blood of business. The more funding that flows through the business, the healthier it is. However, funding is in working capital, which is the money that a business needs to operate on a day-to-day basis. Here are the reasons to opt for unsecured working capital:

Take advantage of a large order or market opportunity
Pay salaries and wages
Pay vendors and suppliers
Purchase business consumables
Stabilize a company’s cash flow

Unsecured Working Capital Documents

Documentation can be a significant factor in obtaining a UWC facility. However, the length of the process is determined by the availability of documentation. Here’s the list:

Owner KYC Documents

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

Business KYC Documents

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

Banking Documents

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

Financial Documents

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

How do we execute the unsecured working capital?

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Unsecured Working Capital Loan at Terkar Capital

We are a leading investment banking firm in India that specializes in facilitating efficient and expeditious unsecured working capital loans. Our firm is committed to offering cutting-edge business financing solutions. We understand the challenges faced by businesses and ensure a seamless experience in obtaining an unsecured working capital facility. So, let’s connect to explore growth opportunities for your business.

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Unsecured Working Capital for Industries

At Terkar Capital, we facilitate unsecured working capital finance to multiple industries. To mention a few here:

Unsecured Working Capital FAQs

An unsecured working capital is a convenient financial instrument, businesses use to avail funding without pledging any assets.

In unsecured working capital, we can raise funding up to 15 Cr as per the borrower’s requirement.

The turnaround time to arrange the funds will be as low as 3-4 working days.

Any business in manufacturing, trading, or service with 3 years of operational backing can be eligible to apply.

We Facilitate the Following Funding Instruments

Client Feedback

What our clients think about us?

N Nihalani

We have had a smooth experience with all our capital arrangements facilitated via Terkar Capital so far. Its very comforting to work with people as professional and straightforward as Vishal and the rest of his team. Thanks for everything.

C Sonawane

Thank you Terkar Capital for processing my business loan in just a few working days. Very professional & skilled team. They understood my requirements to a level that were beyond my expectations from any lending company. I strongly recommend Terkar Capital.

24th Mile

We are very thankful to Terkar Capital for your efforts in arranging facility. Their approach is very simple, professional, and fast! The team is highly responsive that executed the process in short span of time without any hassles. Great work... Thank you!

M Dwivedi

I got an unsecured business loan within 7 working days .their specialized experts verfied all the documents and granted me the loan .getting a business loan from terkar capital is the easiest way to get a loan.