Get Working Capital Loan at Ease!

Grow your business without financial limitations. Our working capital loan provides the funds you need.

Competitive Interest Rates
Quick Approval
Flexible Payment Terms

Up to 50 Cr

From 9 Pa*

Tenure upto 60 Months

Working Capital Loan in Chhatrapati Sambhajinagar

Working capital is the lifeblood of any business. It represents the difference between a company’s current assets and its current liabilities. We understand the importance of maintaining a healthy cash flow for your business. Working capital is the fuel that keeps your operations running smoothly, allowing you to cover everyday expenses like inventory, payroll, and operational costs.

At Terkar Capital, we’re dedicated to empowering Chhatrapati Sambhajinagar’s MSMEs. Our streamlined working capital loan solutions are designed specifically for your needs. We offer a hassle-free application process and flexible options to ensure you get the funding you need.

Key Features of Working Capital Loan

(*T&C Applied)

Eligibility for Working Capital Loan

The owner/shareholder must be between 21 and 65 years old.
A proven business record and consistent cash flow enhance loan qualification.
Credit score, financial stability, and repayment history are crucial factors.
No history of loan defaults with any financial institution.

Documents Required for Working Capital Loan

To obtain a working capital loan in Chhatrapati Sambhajinagar, 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)

Advantages of Working Capital Loan

Interest is only charged on the amount of money used.
No fixed repayment obligations like term loans.
Choose from multiple working capital debt instruments, allowing you to find the best fit for your needs.
Raise funds through working capital with or without collateral.
Various funding sources can provide exposure without requiring property as collateral, provided you have a good credit rating.
Access industry-specific debt instruments tailored to your business’s growth.

Working Capital Financing Instruments

1. Term Loan

Working capital loans provide short-term financing for day-to-day operations, not long-term assets or investments.

2. Overdraft Facility

An overdraft facility is a loan from your bank that allows you to spend more than you have in your account. There is a limit, and you may be charged fees if you go over it.

3. Bill Discounting

A seller can get paid early by discounting a bill, which means selling it at a discount. Reasons for discounting include working capital needs or paying dues.

4. Cash Credit (CC)

A cash credit facility enables customers to use the amount specified by the lender and pay interest only on the used amount. The amount cannot exceed the sanctioned amount.

5. Factoring

Factoring is a financial instrument that allows a company to sell its unpaid invoices to a third party (factor) at a discount. This provides the company with instant cash and helps to manage working capital.

6. LC Discounting

LC is a guarantee given by the bank to pay the seller for the buyer’s obligation, in case a buyer fails to make the payment. LC discounting takes away the risk and gives assurance to the seller of the funds.

7. Bank Guarantee

A Bank Guarantee is issued by the lender to the debtor to cover its liability in case of default. In case of the failure of payment by the debtor, the bank will pay on his behalf.

Learn the Strategies to Master Working Capital Management for Business Success

Working Capital Loan at Terkar Capital, Chhatrapati Sambhajinagar

We at Terkar Capital understand the dynamic financial needs of businesses in Chhatrapati Sambhajinagar. That’s why we offer Working Capital loans specifically designed to address your day-to-day operational requirements.

Our commitment to simplifying access to funding and customizing solutions to each business’s unique requirements sets us apart. This proactive approach not only ensures seamless day-to-day operations but also strategically positions your business in Chhatrapati Sambhajinagar for sustainable growth and expansion.

How We Execute Working Capital Loan in Chhatrapati Sambhajinagar?

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Client's Testimonial

What our clients think about us?

H Tamhankar

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!

J Agwan

Terkar Capital is upright at delivering specialized funding needs. They implement what they state. Because of you, we're able to make our business reach an exponential level.

A Waghmare

Obliged for the services by Terkar Capital in helping secure funds for the business. They offer a broad range of advanced funding solutions and deliver financial solutions that are right for customers. Grateful for the services rendered by your firm.

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.