What Is a Working Capital Loan?
A Working Capital Loan is a short-term loan that helps businesses cover their day-to-day operational expenses—like paying salaries, managing inventory, utility bills, or vendor payments.
Unlike term loans used for expansion or equipment, a working capital loan bridges cash flow gaps and ensures smooth operations.
Common Use Cases
Purchasing raw materials
Paying employee salaries
Rent and utility payments
Inventory restocking
Marketing and short-term projects
Key Features of Working Capital Loans
| Feature | Details |
|---|---|
| Loan Amount | ₹50,000 – ₹25 lakhs (depends on profile) |
| Tenure | 3 – 24 months |
| Interest Rate | Competitive, starting from ~11% p.a. |
| Collateral Requirement | Often unsecured for small amounts |
| Repayment | Monthly EMIs or flexible payment plans |
Benefits of Working Capital Loan with Vizzve Finance
✔️ Quick approvals – get funds in 24–48 hours
✔️ No collateral required for eligible borrowers
✔️ Custom EMI plans that match your cash flow
✔️ Minimal paperwork – only basic KYC & bank statements
✔️ Boost business continuity during tough months
Who Should Apply?
Small business owners facing seasonal dips
Startups managing fluctuating income
Traders needing short-term liquidity
Manufacturers handling bulk supply cycles
Documents Required
PAN Card & Aadhaar Card
Business proof (GST, license, etc.)
Last 6–12 months' bank statements
ITR for 1–2 years (in some cases)
FAQs
Q1. Is a working capital loan a term loan?
Yes, it’s a short-term loan, typically 3–24 months, meant for operational funding—not long-term investment.
Q2. Do I need to offer collateral?
Not always. Vizzve offers unsecured working capital loans up to a certain limit based on eligibility.
Q3. How fast can I get the funds?
With Vizzve, many applications are approved and disbursed within 1–2 business days.
Published on : 24th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed