Working Capital Loan

Gives you access to immediate funds

Available for salaried and self employed

Benefits of Working Capital Loan

  • - Low EMIs
  • - Immediate Funds availability
  • - Fast and easy Loan Processing
  • - Speedy Approvals
  • - Flexible Tenure
  • - Simple and Hassle free Documentation
  • - Easy Balance Transferring

Get Instant Working Capital Loan

Apply for Working Capital Loan

Get an Instant Working Capital Loan from Saarebank

Working capital loan is a type of funding that takes care of a company’s costs for daily day-night operations. You may use the loan amount to provide for short-term operational necessities rather than long-term investments.

Small and medium enterprises apply for a working capital loan in Delhi to cover expenses such as payment for employment, upgrade the latest technology, leverage opportunities, procure raw material, pay advance to suppliers, etcetera.

At Saarebank, you can apply for working capital loans ( Apply Now ). Through a dedicated team, we do
our best to make sure an acceptable experience throughout your borrowing journey.

Uses of Working Capital Loan

Procure raw materials

Purchase inventory

Pay for overhead costs like electricity, rent, salaries, and other utilities

Finance blocked payments from debtors

Pay suppliers in advance

Maintain a healthy level of cash

Working Capital Loan Eligibility Criteria

Here are Saarebank’s working capital loan eligibility norms for small and medium enterprises:

Applicants eligible

Proprietors Firm

Private Limited Companies

Self-employed Individuals

The company must have a turnover of at least Rs. 10 lakhs

Partnerships Firms Working

The enterprise must show a record of profits for the last 2years

The enterprise must have a minimum annual income (ITR) of Rs. 2 lakhs every year

Documents Required for Working Capital Loan

Below given is a list of required documents for the Saarebank small and medium business loan application:

PAN Card and a copy of valid identity proof is required for an
applicant who is an individual, proprietorship firm, or company

Address proofs: Ration card, voter ID card, driving license, or Passport

Income documents: Include updated Income Tax Return with computation of income, profit and loss account, & balance sheet of the last 2 years.

Bank statements of the last 6 months

Proof of Business: include Sales Tax Certificate, ITR, Establishment or Trade license

Working Capital Loan FAQs

Working capital is calculated by subtracting the value of all current liabilities from that of the current assets.
Working capital = Current Assets - current liabilities.
Current assets owned by the company include inventory, cash in hand, advance payments, etc. Current liabilities may include short-term debts, unpaid expenditures, outstanding payments to creditors, etc.
A working capital loan is a credit facility that helps in financing the daily operations or short-term needs of a business, like raw material procurement, inventory purchase, staff salaries, etc.
Saarebank offers an instant working capital loan up to Rs.45 lakh that comes with quick approval in just 24 hours*. With easy-to-meet eligibility criteria and minimal paperwork, this business capital funding solution offers various attractive benefits such as collateral-free credit, Flexi facility and doorstep document collection facility.
Saarebank offers competitive rates of interest on working capital loan, starting from 17%.
If you have a small business and need instant funds to meet urgent expenses, you can opt for a working capital loan from Saarebank. One of the best working capital loans in the market, this financial solution requires no collateral and offers a high-value loan of up to Rs.45 lakh. The working capital loan from Saarebank comes with money in bank in just 24 hours* and requires only a handful of documents to avail it.
To avail a fast working capital loan for a new business in India, you need to meet these simple eligibility criteria:
● Age between 24 to 70 years*
● (*Age should be 70 years at loan maturity.)
● A minimum of 3 years of business vintage

The process to apply for the loan is simple:
The process to apply for capital finance is simple.
● Fill up the online application form of working capital loan to apply.
● Submit all the relevant documents to complete the process.
The loan capital of a company is the amount of finance raised by the business from an external institution. This type of capital finance provides funds needed for business requirements like daily operations, buying new machinery, maintaining cash flow, expansion of business, etc. Saarebank offers business loan capital of up to Rs.45 lakh that comes with a flexible repayment tenor of up to 84 months and the Flexi facility that reduces your EMIs by up to 45%*.

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