Working Capital Finance
Keep your business running smoothly with flexible working capital financing. Manage cash flow, inventory, and operations without worry.
Overview
Working Capital Finance helps businesses manage their day-to-day operational expenses, including raw material purchase, salary payments, inventory management, and other short-term financial needs. At ZatpatLoans, we help businesses across Ahmedabad and Gujarat access the right working capital solutions from 125+ banks and NBFCs. Whether you need an overdraft facility, cash credit, or short-term business loan, our team finds the most cost-effective financing tailored to your business cycle.
Key Features
Overdraft Facility
Pay interest only on the amount you use, not the entire sanctioned limit.
Cash Credit
Revolving credit facility secured against stock, debtors, or property.
Short-Term Loans
Quick bridge financing for seasonal demand or urgent business needs.
Invoice Financing
Get funds against your pending invoices from established buyers.
Flexible Repayment
Repayment structures aligned with your business cash flow cycle.
Renewals & Enhancements
Easy annual renewals with limit enhancements based on business growth.
Interest Rates Comparison
| Bank / NBFC | Interest Rate | Max Tenure | Processing Fee |
|---|---|---|---|
| SBI | 9.50% - 12.50% | Renewable Annually | 0.50% |
| HDFC Bank | 10.00% - 13.50% | Renewable Annually | 1% |
| ICICI Bank | 10.25% - 14.00% | Renewable Annually | 1% |
| Bank of Baroda | 9.75% - 12.75% | Renewable Annually | 0.50% |
| Axis Bank | 10.50% - 14.50% | Renewable Annually | 1% |
Eligibility Criteria
- Established business with minimum 2 years of operations
- Minimum annual turnover: ₹25 lakhs (varies by lender)
- Positive cash flow with regular bank transactions
- GST registered business with regular filings
- CIBIL score: 650+ (flexible for secured facilities)
- Proprietorship, Partnership, LLP, or Private Limited company
Documents Required
- Business registration documents (GST, Udyam, Shop Act)
- PAN Card and Aadhaar Card of proprietor/directors
- Last 2 years ITR with computation and balance sheet
- Last 12 months bank statements (all business accounts)
- GST returns for last 12 months
- Stock statement and debtors aging (for CC/OD)
- Property documents (for secured facilities)
Application Process
Submit business profile and working capital requirement
Our team analyzes your cash flow and recommends the right facility
Documentation and bank submission for credit assessment
Facility sanctioned with limit activated for use
Best Tips for Working Capital Finance
Maintain a healthy stock rotation ratio — banks monitor this for CC facilities.
Keep your GST returns filed on time — non-filing can affect your facility renewal.
An OD facility is more cost-effective than a term loan for short-term needs — you pay interest only on utilized amount.
Plan your working capital requirement for the year ahead to negotiate better terms.
Use CC/OD limits strategically — drawing and repaying regularly shows healthy business activity to banks.
EMI Calculator
Plan your finances with our easy-to-use EMI calculator. Get instant results for any loan amount.
Working Capital Finance FAQs
Common questions about working capital finance services.
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