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Starting a small business isn’t an easy feat, but with a Working Capital Loan, it can be.

Working capital loans are one of the most popular loan types offered by banks and alternative lenders. Working capital loans are often used to fund everyday business expenses like payroll, rent, and operational costs and manage cash flow gaps during a business’s slow season.

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A Wide Range of Business Loan To Choose From

Bank/NBFC NameCIBILRate Of InterestProcessing FeeLoan AmountApply for Loan
ICICI BUSINESS LOAN OVERDRAFT700+15% onwards (Fixed)1%-2%Upto 50 LacApply Now
DCB Working Capital Loan700+10% on wards (Fixed)0.50% to 1%Upto 15 CrApply Now
RBL Bank Working Capital Loan700+9.5% on wards (Fixed)0.50% to 1%Upto 50 CrApply Now
IndusInd Bank Working Capital Loan700+9.5% on wards (Fixed)0.50% to 1%Upto 30 CrApply Now
Utkarsh Bank Working Capital Loan700+10% on wards (Fixed)0.50% to 1%Upto 15 CrApply Now


  • Working capital is the capital or funds that a company uses to manage its day-to-day operational expenses and short-term financial obligations. It represents the difference between a company’s current assets and current liabilities.

  • Working capital is vital because it ensures a company can meet its short-term financial obligations, such as paying suppliers, covering operational expenses, and managing inventory. Sufficient working capital is essential for smooth business operations.

  • Working capital is calculated by subtracting a company’s current liabilities (e.g., accounts payable, short-term debt) from its current assets (e.g., cash, accounts receivable, inventory). The formula is: Working Capital = Current Assets – Current Liabilities.

  1. The ideal level of working capital can vary depending on the industry, business size, and specific circumstances. However, a positive working capital (where current assets exceed current liabilities) is generally considered healthy.

  1. Insufficient working capital can lead to operational difficulties, including an inability to pay suppliers on time, meet payroll, or invest in growth opportunities. It may also harm a company’s creditworthiness.