Working Capital

Cash flow that doesn't wait for the next invoice.

Payroll, supplier payments, inventory restocking — a working capital loan or overdraft line keeps day-to-day operations running smoothly between receivables, without disturbing your long-term financing.

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₹ 10L–₹50Cr

Loan range

10.5%+

Starting rate

3–5 days

Sanction time

3 Yrs

Max tenure

Why choose this with us

Benefits built around the borrower.

A short list of what actually changes when you apply through Financeway instead of walking into a branch.

Built for the cash-flow gap

Bridges the timing gap between paying suppliers/staff and collecting from customers.

Overdraft & term options

Choose a revolving overdraft you draw as needed, or a fixed-term loan, depending on your cycle.

Interest only on what you use

Overdraft-style facilities charge interest only on the drawn amount, not the full sanctioned limit.

Doorstep document pickup

Financial statements and KYC collected from your office, minimising downtime.

Limit grows with your business

Sanctioned limits can typically be reviewed and enhanced as turnover grows.

GST & MSME-friendly

Lenders in our network cater specifically to GST-registered and MSME-classified businesses.

Loan Instrument

See your EMI before you apply.

Move the sliders — the split between principal and interest updates in real time.

Loan Amount ₹2,000,000

Interest Rate (p.a.) 13.00%

Tenure 36 months

Apply at this EMI →

Estimated Monthly EMI

₹21,494

● Principal
₹10,00,000

● Interest
₹2,89,640

Working Capital

What you'll need

Keep these ready to speed up your application.

Documents Required

Keep these ready — our representative collects them at your doorstep.

PAN & Aadhaar of proprietor/partners/directors
Business registration & GST certificate
Last 2 years' ITR & financial statements
Last 12 months' bank statement (current account)
Stock & debtor statements (for overdraft limits)
Existing loan/OD statements, if any

Eligibility Criteria

A quick self-check before you apply.

Business vintage of at least 1–2 years
Minimum annual turnover as per lender slab
Credit score of 700+ for business/promoters
GST-registered where applicable
No major defaults in existing credit history

Questions

Frequently asked questions

A working capital facility (often an overdraft or cash credit line) is meant for short-term, recurring operational needs, while a term loan funds a one-time expense like equipment or expansion, repaid over a fixed schedule.

It depends on the lender and limit size — smaller unsecured limits are available, while larger facilities may require stock, debtors or property as security.

Lenders typically assess turnover, operating cycle length, stock and debtor levels, and past banking behaviour to arrive at an appropriate limit.

Yes — many lenders structure limits specifically around seasonal cash-flow patterns, with higher drawdown allowed during peak months.