Working Capital Finance
Micro, Small & Medium Enterprises (MSME) required Funds to run day to day activities of Businesses is called Working Capital Finance. Working Capital starts with purchasing raw material, Manufacturing Goods, delivering to customer then to receive money from the customer is a complete Working Capital cycle. Efficient Working Capital Finance Business to achieve faster growth in Business. Working Capital requirement is calculated difference between current assets and current liabilities.
There are Broadly Two Types of working Capital Finance Fund based (Cash Credit, Overdraft, Term Loan and Bill discounting) and non-fund based (Bank Guarantee, Letter of credit)
Unlock business potential with our Working Capital Finance service. Fuel your operations, manage cash flow, and seize growth opportunities confidently. Tailored solutions to match your unique needs, ensuring liquidity and flexibility. Partner with us for financial stability and success. Your success is our priority.
Features Of Working Capital Finance
- Flexibility : Working capital loans have a flexible repayment term and interest rate, which allows businesses to deal with uncertainties prudently.
- No Usage Restrictions : While lenders do not impose any restrictions on the usage of a working capital loan, they expect that the loan will be used to increase revenue and maintain daily operations.
- No Collateral Required : Working capital loans are generally unsecure in nature and you do not need to offer any assets as collateral. However, in certain cases that involve high risk, you may need to provide some guarantee.
- High Loan-to-Value Ratio : In most cases, financial institutions offer a high loan-to-value ratio of up to 80% on working capital loans. This will ensure that you get a sufficient loan amount to meet your operational requirements.
Benefits Of Working Capital Finance
- Convenience: Instant payments without cash, anytime, anywhere, simplifying transactions and reducing the need for carrying money.
- Rewards: Earn cashback, points, or miles on purchases, enjoying discounts, travel perks, and exclusive offers.
- Credit Building: Responsible use boosts credit score, enabling better loan terms, lower interest rates, and financial opportunities.
- Emergency Funds: Ready financial backup for unexpected expenses, providing peace of mind during unforeseen situations.
- Fraud Protection: Advanced security measures guard against unauthorized transactions, assuring safe online and offline shopping.
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Working capital finance is a type of financing used by businesses to fund their day-to-day operations. This financing can help a business maintain positive cash flow, meet short-term obligations, and manage fluctuations in revenue.
- Improved cash flow : Working capital finance can help a business maintain positive cash flow and meet its short-term obligations.
- Increased flexibility : This financing can provide a business with the flexibility to respond to changes in market conditions and fluctuations in revenue.
- Access to funds : Working capital finance can provide a business with quick access to funds when they need it.
- Reduced stress : By providing the funds needed to meet short-term obligations, working capital finance can reduce the stress and uncertainty of managing a business.
- Business lines of credit : This is a flexible financing option that allows businesses to borrow money as needed to meet their short-term obligations.
- Invoice financing : This type of financing allows businesses to receive an advance on their accounts receivable.
- Trade finance : This is a type of financing that provides businesses with the funds they need to purchase inventory and raw materials.
- Short-term loan: This is a loan that is designed to be repaid within a short period of time, typically 12 months or less.
