Working Capital Loans for MSMEs
Flexible business funding solutions for managing cash flow, inventory, receivables, operations, and growth requirements.
Get access to secured and unsecured working capital solutions including Cash Credit (CC), Overdraft (OD), Working Capital Term Loans (WCTL), OD Against Property (ODAP), Letter of Credit (LC), Bank Guarantee (BG), bill discounting, inventory funding, receivable financing, and more through leading banks and NBFCs.
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Benefits of Working Capital Finance with BizzBuddy
Improve Cash Flow
Manage day-to-day operational expenses, supplier payments, salaries, and working capital gaps efficiently.
Higher Business Liquidity
Access flexible limits against property, stock, receivables, invoices, or business cash flows.
Fund & Non-Fund Based Solutions
Avail both fund-based and non-fund-based facilities including CC, OD, LC, BG, and trade finance products.
Flexible Utilisation
Withdraw funds as per business requirements and pay interest only on utilised amounts in eligible products.
Tailored Business Structuring
Customized loan structuring for manufacturers, traders, contractors, exporters, distributors, and service businesses.
Multiple Banking Partners
Compare offers from leading banks and NBFCs for better pricing, limits, and collateral structures.
Working Capital Products We Offer
Cash Credit (CC)
Revolving working capital limits secured against stock and receivables for daily business operations.
Overdraft Facility (OD)
Flexible overdraft limits against property, fixed deposits, or financial strength of the business.
OD Against Property (ODAP)
Working capital overdraft facility secured against residential, commercial, or industrial property.
Working Capital Term Loan (WCTL)
Structured term funding for managing temporary cash flow mismatches and operational expansion.
Letter of Credit (LC)
Non-fund-based facility helping businesses manage domestic and international supplier payments.
Bank Guarantee (BG)
Performance and financial guarantees for contractors, infrastructure companies, and government tenders.
Bill Discounting
Unlock working capital by discounting invoices and receivables before payment due dates.
Inventory Funding
Business funding solutions against stock and inventory to support operational cycles.
Receivable Financing
Improve cash flow through financing against outstanding customer receivables.
Export & Trade Finance
Specialized working capital solutions for exporters, importers, and cross-border trade businesses.
Eligibility Criteria
Documents Required
Industries We Serve
Frequently Asked Questions
What is Working Capital Finance?
Working capital finance helps businesses manage short-term operational expenses and maintain healthy cash flow cycles. Businesses use working capital facilities for inventory purchase, supplier payments, salary processing, receivable management, order execution, and day-to-day operations.
Types of Working Capital Loans
Working capital finance includes both fund-based and non-fund-based facilities such as Cash Credit (CC), Overdraft (OD), OD Against Property (ODAP), Working Capital Term Loan (WCTL), Letter of Credit (LC), Bank Guarantee (BG), invoice financing, bill discounting, inventory funding, and receivable financing.
Benefits of Working Capital Loans
- ›Improves business liquidity
- ›Supports operational cash flow
- ›Helps manage receivables and inventory cycles
- ›Flexible fund utilisation
- ›Interest charged only on utilised amount in eligible facilities
- ›Enhances purchasing and trade capacity
- ›Supports growth and expansion requirements
Fund-Based Working Capital Facilities
Fund-based facilities involve direct disbursal or withdrawal of funds and include Cash Credit, Overdraft, OD Against Property, WCTL, invoice financing, and bill discounting.
Non-Fund-Based Working Capital Facilities
Non-fund-based facilities such as LC and BG help businesses improve credibility and support trade operations without direct fund withdrawal.
How to Apply for Working Capital Loans?
Businesses can apply by submitting financial statements, GST returns, banking documents, KYC documents, stock statements, and collateral details. Loan eligibility is assessed based on turnover, cash flow, profitability, and banking conduct.
Why Choose BizzBuddy for Working Capital Loans?
BizzBuddy helps businesses compare working capital solutions across multiple banks and NBFCs with customized structuring support for secured and unsecured business finance requirements.
*Interest rates, sanction timelines, collateral requirements, and eligibility criteria are subject to lender policies, applicant profile, banking conduct, and financial assessment.
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