What Is Working Capital Loan and How Does It Work?

Working capital is the amount required to keep the business afloat. It is necessary to maintain business operations efficiently on a daily basis.

During seasonal, festive, or cyclical periods, a business may require a working capital loan to meet an increase in demand for products or to meet the extra need of capital for day-to-day business needs. This is when they can avail a working capital loan.

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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

When to avail a Working Capital Loan?

The following are the situations when a business owner can think of availing a loan:

  • Irregular cash due to low stock turnover.
  • Lack of cash reserves for meeting cash crunches.
  • Taking up new business opportunities, but funds are insufficient.
  • With working capital loans from ZipLoan, maintaining business liquidity is easy. We offer unsecured working capital loans which are disbursed in just three days*.

How do Working Capital Loans work?

SMEs can fill the gaps in cash flow quickly by availing a quick and collateral-free working capital loan. The process does not require a long list of paperwork and the loan amount is disbursed within three days*.

The business owner can apply for a working capital loan through these three easy steps:


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.

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