Working Capital Loan

Working capital represents a business's financial efficiency in managing its payroll, inventory purchases, marketing campaigns and other expenses that occur within daily operations.

Mathematically, it is calculated by subtracting current liabilities from current assets.


A small business may have invested heavily in its fixed assets such as a shop/office, furniture, manufacturing tools, machinery and vehicles. However, it may still find itself in troubled waters if it struggles to pay the monthly bills. To avoid such a situation, it must have adequate funds in the bank. Liquidating fixed assets is not the desirable solution.

Is a working capital loan right for your business?

While your company may be doing well to maintain a healthy working capital balance, the untimely cash flow gaps, seasonal lulls or a need to finance new equipment are unforeseen requirements that strain the resources. You cannot allocate a larger proportion of funds to fulfil one obligation while holding up another. That's when working capital loans help.

Capital Float's working capital loans for small businesses in India is designed to put you in control and help you cover all your operating expenses with ease. It helps you sustain the financial performance and growth of your company with a healthier availability of liquid funds.

What are the chief benefits of a working capital finance from Capital Float?

Collateral-free Finance: You don't have to pledge any business or personal asset as security while applying for a loan from Capital Float.

Short Tenured Loan: Our working capital finance is a short-term loan where you do not have to plan for years of monthly repayments. The amount can be paid back in 9-12 months.

Easy application: You can fill out our secure loan application form online within 10 minutes, from the comfort of your home or office.

Quick decision: Our data-driven competencies and team of highly skilled professionals assess your creditworthiness optimally, and the decision on your business loan without security is typically given on the same day.

Speedy disbursal of funds: We assess your creditworthiness using conventional and unconventional data points that enables us to disburse collateral-free loans for business in just 3 days.

Flexible repayment: With EMIs customized based on the nature of your business, our quick small business loans for working capital make your budget management simple and hassle-free.

Does your business qualify for this loan?

Yes, it does, if it meets the following criteria :

  • Limited/Private Limited/Partnership/Proprietorship Company
  • Minimum operational history of 1 year
  • Minimum turnover of Rs 20,00,000 per year
  • Minimum monthly sales of Rs 5,00,000 via PoS machine

Which documents are to be submitted with the application?

You no longer have to worry about waiting in queues with piles of documentation. With Capital Float, simply upload the digital versions of these documents given below at the time of application of business finance without security :

  • KYC documents for yourself and your promoters (if any)
  • Certificate of business registration
  • Bank Current Account statement for the last 12 months
  • IT Returns for six months preceding the loan application date
  • Card settlement records for last three months (for Merchant Cash Advance)

What fee and charges are to be paid for the loan?

  • At Capital Float, we pride ourselves on conducting business in the most transparent manner. For any loan you avail, we typically charge a processing fee of 2% of the availed amount. There are no hidden or pre-closure penalties during or after your application procedure.

We conduct business in the most transparent manner. There are no hidden charges during or after the application process.

Capital Float serves the 3 basic demands of SMEs: simple access to credit, collateral-free terms and a trustworthy partner. Using innovative and customized finance solutions, we strive to provide you quick and easy access to working capital whenever you need it.

Ready to apply for your small business working capital loan? Begin right here:

Still have questions regarding working capital loans for small business? Get all your queries answered by speaking to our funding experts on 1860 419 0999.