Looking for a quick working capital loan in India to boost up your slow-moving business? We at Ziploan offer hassle-free custom business loans of up to 7.5 lakh to meet your financial requirements. You can get a capital loan online in just 3 days* after submitting few documents.
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ZipLoan is the Lender of Choice for Small Businesses.
No balance sheet needed
No Prepayment Charges
After first 6 EMIs
Receive Funds Within 3 Days*
Straight into your account
What is 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, working capital loans are corporate debt borrowings that are used by a company to fund its daily operations.
What is the Working Capital Formula?
The 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.
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 process online to avoiding waiting 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).
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 use to deliver bulk order
Can use buy raw material
Can use to buy new machinery
Maintain and boost cash flow
Help grab new business opportunities
To skyrocket your business, Ziploan offers easy working capital loans up to 7.5 lakh at competitive interest rate.
Eligibility Criteria to Avail Working Capital Loan
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
Pvt. Ltd. / LLP / One Person Company
Bank statement (12 months)
Business registration proof
ITR of the previous two years
Working Capital Loan Fees & Interest Rates
Customized Interest Rates
up to 36 months
Nil** after paid the first 6 EMIs
Annual turnover more than Rs.10 lakh
₹ 1 Lakh – ₹ 7.5 Lakh
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*.
Frequently Asked Questions
How do you calculate working capital loans?
The working capital requirement formula involves a simple subtraction of a company's current liabilities from the total assets currently owned by it.
What is the difference between working capital and term loan?
Working capital loans are short-term with a repayment period of a few months. Term loans, on the other hand, can be short, medium, or long term.
What are the three best sources of capital?
The three types of financial capital can influence your decision when you're analyzing your own business or a potential investment: equity capital, debt capital, and specialty capital.
How can I avail working capital loan from Ziploan?
The application process is completely online. You can apply from our website or can use our app.
How much working capital finance can I avail?
You can get a working capital loan up to Rs. 1 Lakh to Rs. 7.5 Lakh from Ziplon.
Solving Real problems
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.
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.
I always thought that loans and credit facilities were only available to large businesses with significant turnover. I never thought I would be eligible to qualify for a business loan too. Ziploan is boon for small enterprises like me.
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