Working Capital Loan
Cash credit, overdraft and invoice-backed limits that keep stock, salaries and suppliers funded while your receivables are still on the way.
Working Capital Loan
Most businesses are profitable on paper and short of cash in practice — stock has to be bought and salaries paid long before customers settle their bills. A working capital limit bridges that gap.
Forms of working capital finance
- Cash credit (CC) — a limit against your stock and receivables, interest only on what you use
- Overdraft (OD) — a flexible limit on your current account, often secured by property or deposits
- Invoice and bill discounting — cash against invoices raised on your buyers
- Short-term working capital loans — a fixed amount for a seasonal peak
Who it suits
- Traders and distributors carrying stock
- Manufacturers with long production and payment cycles
- Service businesses waiting on large client payments
Documents typically required
- PAN card and Aadhaar card
- Passport-size photograph
- Proof of current address
- GST returns, ITR and financial statements
- Stock and debtor statements
- Twelve months of bank statements
How Gatiman Global Finance Corp helps
The size of a working capital limit is worked out from your turnover, stock and receivables. We prepare the numbers the way lenders assess them, recommend the right structure for your cycle, and help you renew and enhance the limit as you grow.
Disclaimer: Gatiman Global Finance Corp is a financial consultancy. Loans are sanctioned by banks and NBFCs at their sole discretion; insurance policies are issued by insurers and insurance is the subject matter of solicitation; tax and accounting outcomes depend on the law and the records of your case. Figures and timelines on this website are indicative.
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