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.

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Minimal Documentation

No balance sheet needed

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Collateral Free Loan

For a business with turnover of 10L+

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Receive Funds within 3 Days

Straight into your account

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No Prepayment Charges

And you pay back in easy EMI’s

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*.

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Apply for Business Loan How to Get a Business Loan How to Get Unsecured Business Loan Pan card Aadhar card mudra loan

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

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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.

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Kanchan Lata

I approached Ziploan for an equipment finance loan because they required no collateral. 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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