Working Capital Loan

A working capital loan is a type of loan that companies take for short-term operational needs. It could be costs such as payroll, rent, and debt payments. In other words, short term working capital loans are corporate debt borrowings that are used by a company to fund its daily operations.

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

Features of Ziploan Working Capital Loan

This is a small ticket loan of up to 7.5 lakh, given for a period of 1 to 36 months. Here are some of its salient features:

  • Customized loan amount - Whether you need a small fund or a big one we will provide them all from Rs. 1 lakh to 7.5 lakh.
  • Fast processing - Online submission of the documents helps us process your loan application faster. We disburse the loan amount within three days* after getting your documents.
  • Total online processing - The loan application gets processed online to avoid waiting in the queue for loan approval. 
  • Fair interest rates - No manual intervention but the automated process makes our process and interest rates fair. 
  • Flexible repayment tenure -  Our repayment tenure starts from 12 months to 36 months. Therefore, you get enough time to repay the loan amount.
  • No prepayment charges - No prepayment charges after you have paid the first 6 EMIs (excluding pre-EMI).

Working capital term loans from Ziploan offer many features that can help your business grow. With a competitive interest rate and easy eligibility requirements, you can borrow up to Rs. 7.5 lakh.

Benefits of Working Capital Loan by Ziploan

Here are the benefits of availing of working capital loans for small and medium businesses.

  • Can manage sales fluctuations
  • Can used to deliver bulk order
  • Can use buy raw material
  • Can used to buy new machinery
  • Maintain and boost cash flow
  • Help grab new business opportunities 

To skyrocket your business, Ziploan offers easy working capital loans for small businesses up to 7.5 lakh at a competitive interest rate. 

Working Capital Loan Eligibility Criteria

Our working capital loan eligibility criteria are simple to let more and more business individuals avail of the MSME loan amount.

  • An established MSME with a proven business vintage of more than two years.
  • Minimum annual turnover of Rs. 10 lakhs in the previous year.
  • The business must not have any default history.
  • The income tax filed during the last year should be more than Rs. 1.5 lakhs.
  • The borrower should own either house or a business place.

Documents Required for a Working Capital Loan

 ProprietorshipPartnershipPvt. Ltd. / LLP / One Person Company
Bank statement (12 months)
Business registration proof
PAN Card
Aadhar Card
ITR of the previous two years

Working Capital Loan Fees & Interest Rates

The interest on working capital loan rates is competitive:

Customized Interest RatesYes
Loan Tenureup to 36 months
Pre-closure chargesNil** after paying the first 6 EMIs
Eligibility CriteriaAnnual turnover more than Rs.10 lakh
Loan Amount₹ 1 Lakh – ₹ 7.5 Lakh

What is the Working Capital Formula?

The small business working capital formula is:

Working Capital = Current Assets – Current Liabilities

The working capital formula tells us the short-term liquid assets available after short-term liabilities have been paid off.

How to Apply for Working Capital Loan

Here are three steps process to working capital loan apply online from ZipLoan:

  • Submit Application - Simply enter your personal, business, and financial info to receive a working capital loan offer.
  • Upload Documents - Upload digital copies of your documents in a single-step process for verification.
  • Get Sanctioned - Receive your working capital loans approval and disbursal within 3 working days*.

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 ?