Working Capital Loan - Cheema Capital | Manage Business Cash Flow

Working Capital Loan Overview

A working capital loan is designed to finance your business's everyday operations, helping you bridge the gap between when you pay your suppliers and when your customers pay you.

At Cheema Capital, we offer working capital loans with quick disbursement, flexible repayment options, and competitive interest rates to ensure your business operations continue smoothly without cash flow interruptions.

Loan Amount

₹5,00,000 - ₹2,00,00,000

Interest Rate

Starting from 11.99% p.a.

Tenure

12 - 60 months

Processing Time

As quick as 2-3 business days

Features & Benefits

Quick Disbursement

Get funds in your account in as little as 2-3 business days to manage immediate cash flow needs.

Revolving Credit

Option for revolving credit facility that allows you to withdraw and repay funds as needed.

Flexible Repayment

Choose a repayment schedule that aligns with your business's cash flow cycle.

Seasonal Business Support

Ideal for businesses with seasonal fluctuations in revenue and expenses.

High Loan Amount

Borrow up to ₹2 crores based on your business turnover and requirements.

Minimal Documentation

Streamlined documentation process for faster approval and disbursement.

Eligibility Criteria

Business age of at least 2 years
Minimum annual turnover of ₹50 lakhs
Profitable business for at least 1 year
Good credit score (preferably 700+)
Business must be registered (Proprietorship/Partnership/LLP/Pvt Ltd)
Age of applicant between 25 and 65 years
Indian citizen with valid ID proof

Required Documents

Identity Proof (Aadhaar Card, PAN Card, Passport)
Address Proof (Aadhaar Card, Utility Bills, Rental Agreement)
Business Registration Documents
GST Registration Certificate
Business Financial Statements for last 2 years
Income Tax Returns for last 2 years
Bank Statements for the last 6 months
Proof of business vintage (Trade License, Shop Establishment Act)

Application Process

Fill the Application Form

Complete our simple online application form with your business and financial details.
Document Submission

Upload the required business documents for verification and processing.
Business Verification

Our team will verify your business details, financials, and documents.
Loan Approval

Upon successful verification, your working capital loan will be approved.
Disbursement

The approved loan amount will be transferred directly to your business bank account.

Frequently Asked Questions

What is a working capital loan?

A working capital loan is a short to medium-term financing solution designed to fund a company's everyday operations such as inventory purchases, payroll, rent, and other operational expenses. It helps businesses bridge the gap between when they need to pay suppliers and when they receive payments from customers.

How is a working capital loan different from a term loan?

While term loans are typically used for long-term investments like equipment purchases or business expansion, working capital loans are specifically designed for short-term operational needs. Working capital loans often have shorter tenures and may offer more flexible repayment options aligned with your business's cash flow cycle.

Can I get a working capital loan for a seasonal business?

Yes, working capital loans are particularly well-suited for seasonal businesses that experience fluctuations in revenue throughout the year. These loans can help you manage cash flow during slow periods and prepare for peak seasons. We offer flexible repayment options that can be tailored to your business's seasonal cycle.

What happens if I miss an EMI payment?

Missing an EMI payment can result in late payment charges, typically 2-3% of the EMI amount. It can also negatively impact your credit score. If you anticipate difficulty in paying an EMI, it's best to contact us in advance to discuss possible solutions.

Is collateral required for a working capital loan?

We offer both secured and unsecured working capital loan options. Secured loans require collateral but typically offer lower interest rates and higher loan amounts. Unsecured loans don't require collateral but may have higher interest rates and lower loan limits. The option best suited for your business depends on your specific needs and eligibility.