What are the eligibility criteria for a working capital loan?

A Working Capital Loan (WCL) is a short-term commercial borrowing facility provided by banks or NBFCs to businesses who require funds for working capital requirements.

Following are the eligibility criteria to availing a working capital loan from Ziploan:

  • MSME was established more than two years.
  • Minimum annual turnover of Rs. 10 lakhs.
  • Zero default history is required.
  • Last year's ITR should exceed Rs. 1.5 lakhs
  • Either you own a home or a business.

People also read

instant business loan

ZipLoan is the Lender of Choice for Small Businesses.


Minimal Documentation

No balance sheet needed


No Prepayment Charges

After first 6 EMIs


Receive Funds Within 3 Days*

Straight into your account

Solving Real problems

Ram Yadav

I have been running my business for over twelve years but have not been able to undertake expansion activities. I applied to Ziploan and they cleared my loan application in a very short span of time.

Kanchan Lata

I approached Ziploan for an equipment finance loan. Their eligibility criterion was easy to fulfill because it required only 2 years ITR and 10 lacs of annual banking credit.

Ready for Ziploan to
empower your business ?