Working Capital Financing
Working capital financing helps businesses manage day-to-day operations by providing funds for inventory, payroll, rent, and other short-term expenses. It bridges the gap between cash inflows and outflows, ensuring your business runs smoothly without interruption. Used for operational needs like purchasing stock, paying suppliers, or covering seasonal fluctuations, it's designed to maintain healthy cash flow and support business continuity.
Secured Working Capital - Maximum Funding with Lower Costs
Secured working capital loans are perfect for businesses needing larger amounts to fund substantial operational requirements. By pledging assets such as inventory, receivables, or property as collateral, you unlock:
Higher Credit Limits: Access substantial funding based on your collateral value to meet large operational needs.
Competitive Interest Rates: Enjoy lower rates due to reduced lender risk with secured financing.
Extended Repayment Terms: Flexible repayment schedules aligned with your business cash flow cycles.
Who Should Consider Secured Working Capital?
Secured working capital is ideal for established businesses with valuable assets looking to fund significant inventory purchases, manage seasonal demands, or cover extended operational cycles at competitive rates.
Unsecured Working Capital - Quick Access Without Risk
Unsecured working capital financing provides fast access to funds without requiring any collateral. Perfect for small businesses and startups, these solutions allow you to:
No Asset Risk: Get funding without pledging your business assets or personal property.
Rapid Approval: Quick processing and instant approval for urgent cash flow needs.
Operational Flexibility: Use funds for inventory, payroll, rent, marketing, or any operational expense.
Who Should Consider Unsecured Working Capital?
Unsecured working capital is perfect for businesses with good credit history and steady cash flow seeking immediate funding for short-term operational needs or seasonal requirements.
Key Features of Our Working Capital Financing
Flexible Usage: Funds can be used for inventory purchase, payroll, rent, supplier payments, or any operational expense.
Customized Amounts: Get funding tailored to your business size and operational requirements.
Multiple Security Options: Available as secured (with collateral) or unsecured (without collateral) financing.
Flexible Repayment: Short to medium-term repayment options aligned with your cash flow cycle.
Quick Processing: Fast approval and disbursal for urgent working capital needs.
Competitive Rates: Market-competitive interest rates based on your business profile and risk assessment.
Why Choose BigMudra for Working Capital?
Tailored Solutions: Working capital plans designed specifically for your business needs
Transparent Terms: No hidden charges, clear terms and conditions
Expert Guidance: Our financial experts help you choose the right working capital solution
Quick Funding: Get the cash flow support you need when you need it most
Eligibility Criteria
To qualify for BigMudra working capital financing, you typically need to meet the following eligibility requirements:
Age: 21-65 years (at loan maturity)
Business Vintage: Minimum 2 years of business operations
Credit Score: Preferably 700 or above for better terms
Annual Turnover: ₹50,000 to ₹200+ crore depending on business type
Business Types: MSMEs, sole proprietors, partnerships, LLPs, private/public companies
Financial Health: Positive cash flow and healthy financial statements
Required Documents
Keep these documents ready for a smooth application process:
| Category | Documents Required |
|---|---|
| Personal Documents |
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| Business Documents |
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Calculate Your Working Capital Financing EMI
Use our simple EMI formula:
EMI = [P x R x (1+R)^N]/[(1+R)^N-1]- P = Principal amount
- R = Monthly interest rate
- N = Loan tenure in months
Manual calculations can be complex and error-prone. Use our online EMI calculator for quick and accurate results. Simply enter the loan amount, interest rate, and repayment tenure. The BigMudra EMI Calculator instantly shows your EMI, total interest, and complete repayment schedule, helping you compare different financing options and choose the best one for your working capital needs.
Simple Application Process
Experience hassle-free working capital financing with BigMudra. Our streamlined process ensures quick approval and instant fund access:
Apply Online: Click the "Apply Now" button and start your application
Create Account: Register with your mobile number and basic business details
Choose Options: Select your preferred working capital financing options
Submit Details: Provide personal and business information accurately
Complete KYC: Upload required documents and complete verification
Get Funded: Our team guides you through final steps and fund disbursal
Ready to Get Your Working Capital Loan?
Apply for a Working Capital Loan with BigMudra today and achieve your financial goals with ease.
Charges and Fees
| Particulars | Charges |
|---|---|
| Interest Rate | 12% to 28% p.a. |
| Processing Fees | Up to 3% of the financing amount |
| Documentation Charges | ₹500 to ₹1000 per application |
| Part Prepayment Charges | Up to 4% of prepaid amount |
| Late Payment Charges | ₹5 to ₹10 per day |
| Stamp Duty | As per state regulations |
| Annual Maintenance | Up to 0.25% of sanctioned amount |
Frequently Asked Questions
What is working capital financing?
Working capital financing provides short-term funding to manage your business's day-to-day operations. It helps cover expenses like inventory, payroll, rent, and supplier payments, ensuring smooth cash flow and uninterrupted business operations.Can I get working capital financing without collateral?
Yes! We offer unsecured working capital financing that doesn't require any collateral or security. The approval is based on your business's financial health and credit history.How quickly can I get working capital funding?
Working capital financing can be disbursed within 24-48 hours from the time of approval, ensuring you get the funds when you need them most.What can I use working capital financing for?
You can use the funds for any operational expense including inventory purchase, payroll, rent, supplier payments, marketing expenses, or any other short-term business need.What is the maximum amount I can get for working capital?
Working capital financing amounts vary based on your business turnover and requirements. You can get funding up to ₹50 lakhs or more depending on your business profile.How long is the repayment period for working capital financing?
Repayment tenure typically ranges from 12 to 36 months, with flexible options based on your business cash flow cycles and operational needs.Do I need to be GST registered to apply?
While GST registration is preferred and helps in faster processing, it's not always mandatory. Contact our team to understand specific requirements for your business type.
