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Working Capital Loan for Businesses in Pune

Working capital is the gap between a company’s present assets and liabilities. It serves as a crucial debt instrument that facilitates short-term operations, such as procuring raw materials and managing operational payments. By opting for a Working Capital Loan in Pune, businesses can ensure a smooth and efficient cash flow.

So, We at Terkar Capital facilitate Working Capital loans for businesses in Pune. We are well known for simplifying access to operating funds and tailoring the application processes to the distinctive requirements of MSMEs in Pune. This proactive method not only ensures smooth daily operations but also strategically positions businesses in Pune for growth and expansion.

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Secured Debt Instruments

Secured Business Loans
Foreign Currency Funding
Working Capital Finance
Loan Against Property
Lease Rental Discounting
Builder Finance
Project Financing
Debt Syndication
Loan Against Shares

Key Features of Working Capital Loan

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Secured working capital up to 50 Cr

interest rate

Competitive Interest Rates

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Increases cash flow and sales

Simple paperwork

Quick processing with minimal documentation

flexible repayment

Flexible Loan repayment (up to 60 Months)

(*T&C Applied)

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

Advantages of Working Capital Loan

  1. Interest is applicable only for the used fund.
  2. No fixed obligations of repayment like Term Loans.
  3. Multiple working capital debt instruments are available, allowing you to choose the most suitable one for your needs.
  4. You can raise the funds through working capital with or without collateral. 
  5. Many good sources of funding can give the exposure with an unsecured working capital provided your credit rating must be good. 
  6. Industry-specific debt instruments that suit your business to growth.

Eligibility for Working Capital Loan

  1. The owner/shareholder needs to be between the ages of 21 and 65.
  2. Proven business and consistent cash flow boost loan qualification.
  3. Credit score, stability, and repayment history are significant factors.
  4. No previous loan defaults with any financial institution.

Book a quick chat to discuss working capital loans for your business!

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Working Capital Loan Documents

To obtain a working capital loan in  India, it is crucial to have the following essential documents:

Owner KYC Documents

  1. Adhar Card (complete page)
  2. Pan Card
  3. Latest Electricity Bill
  4. Current Rent Agreement
  5. Passport Size Photo

Proof of Business Address

  1. Ration Card
  2. Electricity Bill
  3. Lease Agreement
  4. Trade License
  5. Passport
  6. Tax Invoices, etc.
  7. Property documents

Banking Documements

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

Financial Documents

  1.  Bank Statements
  2. CIBIL
  3. Business Bank statements
  4. Asset Counts, etc.

Avail Working Capital Loan at Terkar Capital, Pune

Terkar Capital is the preferred option for businesses in search of a working capital loan in Pune. Our expertise lies in catering to the short-term financial needs of businesses. We are committed to delivering customized financial assistance tailored to your specific business requirements.

Our dedicated team ensures that you receive professional guidance in selecting the most suitable working capital product, along with swift processing and competitive interest rates.

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How Do We Execute?

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.

Client Feedback

What our clients think about us?

D*** Shinde
D*** Shinde
☆ ☆ ☆ ☆ ☆

Terkar Capital has demonstrably improved the quality of funding candidates presented to us. Their rigorous client selection process, including a deep financial analysis, gives us confidence in the businesses we evaluate. Their professionalism and execution are top-notch, making them a trusted partner for any financial institution seeking qualified borrowers.

Pratibha K***
Pratibha K***
☆ ☆ ☆ ☆ ☆

Thank You for the numerous financing options that you make available at a lower cost of borrowing. Terkar Capital not only provides transparency but also values the time of its clients. We appreciate the minimal time you took to provide funds to the company. Highly recommend Terkar Capital for funding requirements.

Harshada T***
Harshada T***
☆ ☆ ☆ ☆ ☆

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
M Dwivedi
☆ ☆ ☆ ☆ ☆

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.

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.

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Head Office

Castle Eleganza, 103, Bhonde Colony, Dr.Ketkar Road, Erandwane, Pune – 411004, MH-India

Yes@terkarcapital.com

+91 8308629820

Corporate Office

The Capital, Level 7, B-Wing, Plot C – 70, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051.

Mumbai@terkarcapital.com

+91 7414973455

Branch Offices

Nashik | Nagpur | Chhatrapati Sambhaji Nagar | Hyderabad

Operational Presence

Delhi | Bengaluru | Chennai | Kolkata | Ahmedabad | Surat

Growing Nationwide…

Terkar Capital

In Association with:

MSME Global Mart | MCCIA

© Terkar Capital 2024

CIN – U70200PN2023PTC224016

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All formal communication from Terkar Capital will be conducted exclusively through our designated official emails. Do not respond to fraudulent calls or emails claiming to be from Terkar Capital. Contact us using the official coordinates!!

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