Grow your business without financial limitations. Our working capital loan provides the funds you need.
Up to 50 Cr
From 9 Pa*
Tenure upto 60 Months
Working capital refers to the difference between a company’s current assets and current liabilities. It serves as a vital financial resource for short-term operations, such as procuring raw materials and managing operational expenses. By opting for a working capital loan in India, businesses can ensure a smooth and efficient flow of their day-to-day operations, contributing to overall financial stability and growth.
To adapt to the growing world one needs to manage every aspect of the business effectively. Many times it becomes difficult to manage finances. And thus, there comes the need for funds. Small or medium enterprises face these issues more frequently. So, a working capital loan for MSMEs helps in such a scenario.
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)
(as applicable)
It refers to the period taken to convert the company’s net current assets and liabilities into cash. So, the time gap between production and selling of goods into the market is high. The working capital cycle varies from industry to industry. A longer turnaround time to transform raw materials into cash corresponds to an increased need for working capital.
All these factors finally hamper the working cycle of the company. Hence, a working capital loan is the most suitable product in such a situation. There are 4 main elements in the WC cycle – Cash, Accounts Payable (creditors), Accounts Receivable (debtors), and Stock.
Working capital loans provide short-term financing for day-to-day operations, not long-term assets or investments.
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.
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.
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.
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.
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.
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
At Terkar Capital, we are dedicated to providing tailored financial assistance to businesses in India to meet their short-term working capital needs. As a leading working capital financing company, we specialize in facilitating the smooth processing of working capital requirements. Our experienced team of experts will guide you in selecting the most suitable working capital product, ensuring prompt processing and competitive interest rates. We provide a comprehensive loan process, assisting you throughout the execution to make it seamless and hassle-free. Apply now at ease!!
1. Understanding Client's Requirement
A tailored funding solution based on a thorough evaluation of the client’s business goals and financial requirements.
3. Documentation
Ensuring meticulous preparation of all necessary documents to facilitate a seamless funding process.
5. Soft Approval From Financial Institutions
Securing preliminary approval from financial institutions based on the client's profile and funding needs.
7. Disbursement
Coordinating with financial institutions to ensure timely release of funds.
2. Analysing the Strengths and Opportunities
Leverage the client's financial and operational strengths to optimize their funding prospects.
4. Identifying the Right Financial Product
Recommending the most suitable financial product to align with the client’s specific goals and requirements.
6. Actual Submission of the Documents
Submitting all finalised and verified documents to the financial institution for formal processing.
8. Funding As Required
Providing funds customised to the client’s operational or expansion needs, ensuring business growth.
Check your CIBIL score for free.
1. Understanding Client's Requirement
A tailored funding solution based on a thorough evaluation of the client’s business goals and financial requirements.
2. Analysing the Strengths and Opportunities
Leverage the client's financial and operational strengths to optimize their funding prospects.
3. Documentation
Ensuring meticulous preparation of all necessary documents to facilitate a seamless funding process.
4. Identifying the Right Financial Product
Recommending the most suitable financial product to align with the client’s specific goals and requirements.
5. Soft Approval From Financial Institutions
Securing preliminary approval from financial institutions based on the client's profile and funding needs.
6. Actual Submission of the Documents
Submitting all finalised and verified documents to the financial institution for formal processing.
7. Disbursement
Coordinating with financial institutions to ensure timely release of funds.
8. Funding As Required
Providing funds customised to the client’s operational or expansion needs, ensuring business growth.
Check your CIBIL score for free.
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