Keep your business running, handle daily expenses, and manage cash flow with a Working Capital Loan. Get easy approvals, affordable interest rates, and repayment terms that work for you.
Flexible
Repayment
Tenure
Zero
Collateral
Loan
No
Hidden
Charges
Fill out the details, and we’ll find the best loan options for you.
Access smooth funding solutions for your business’s urgent finances.
Business Cash Flow
Supports daily business expenses like payroll, inventory, or utility bills to maintain uninterrupted operations.
Short-Term Financing
Ideal for bridging seasonal gaps or meeting short-term needs without long-term debt pressure or liabilities.
Multiple Loan Options
Choose from leading banks and NBFCs offering varied terms to suit your business requirements and structure.
Quick Processing
Faster approvals and minimal delays help you access funds exactly when your business needs them most.
Competitive Interest Rates
Get access to working capital at reasonable interest rates based on your eligibility and business profile.
Expert Assistance
Our team helps you understand terms, compare lenders, and apply with confidence for the right loan.
| Document Type | Indian Resident | Non-Resident Indian (NRI) |
|---|---|---|
Identity Proof |
PAN Card, Aadhaar Card, Passport, Voter ID, Driving Licence |
Passport with VISA, Aadhaar Card (if applicable), Voter ID, Driving Licence |
Address Proof |
Utility Bills (Electricity, Water, Telephone), Lease Agreement, Ration Card |
Foreign Address Proof, Indian Address Proof (if applicable) |
Income Proof |
ITRs (last 2 years), Salary Slips, Tax Audit Reports |
Salary Slips, International Bank Statements, Overseas Tax Returns (if applicable) |
Business Proof |
GST Registration, Business License, Trade License, MOA/AOA, Partnership Deed |
GST Registration, Incorporation Certificate, Licence of Practice/Registration Certificate |
Bank Statements |
Last 2 years’ bank statements |
NRE/NRO Bank Statements, International Bank Statements |
Other Documents |
Business Continuity Proof, Collateral Papers, Application Form, Passport-size Photos |
NRI Status Proof (Passport, FATCA/CRS Declaration), Collateral & Continuity Proofs |
Loans Disbursed
Extra Charges
Lenders Compared
Years Of Experience
Confirm Your
Eligibility
Submit your basic business details to get matched with the right loan offers.
Explore Loan
Options
Compare interest rates and terms from banks and NBFCs to pick the ideal lender.
Upload Your
Documents
Upload your KYC, business financials, and documents securely for verification.
Get Loan
Approval
Loan providers review your details and issue a sanction letter specifying the loan terms.
Sign the
Agreement
Go through the approved terms, sign the contract, and confirm your preferred course of action.
Disbursement Of
Loan
Upon approval, the sanctioned funds are deposited directly into your business account.
Get a fast estimate of your monthly repayments on working capital loans.
Loan Amount
₹5,00,000
₹5,00,00,000
Rate of Interest
7% p.a.
15% p.a.
Loan Duration
1 Year
30 Years
12 Months
360 Months
*For representation purpose only. Final values may vary subject to bank’s policy.
Find out how our working capital loans support businesses in staying financially flexible and managing daily workflows effortlessly.
BankEMI made securing a Working Capital Loan quick and stress-free. The low interest rates and flexible repayment helped my business stay financially stable.
Rajeev Malhotra
I needed urgent funds for my retail business, and BankEMI found me the best loan deal within 24 hours. The process was smooth and transparent.
Ananya Sharma
I was struggling to get a Working Capital Loan, but BankEMI compared multiple lenders and secured a low-rate loan for my business in no time.
Vikram Jain
BankEMI’s working capital loan kept our operations running smoothly during a seasonal dip. The process was quick, and funds were disbursed just in time.
Pooja Verma
We managed vendor payments and inventory restocking easily thanks to BankEMI’s flexible working capital loan. Their team really understands business needs.
Arjun Arora
Stay informed with expert tips, industry trends, and guides for smarter financial decisions.
Answers to common questions about working capital loans for businesses managing day-to-day operational needs.
