Keep Your Business Running Smoothly
Quick working capital financing for small and medium enterprises to manage day-to-day operations, buy inventory, pay vendors, and handle seasonal cashflow gaps — without disrupting growth.
₹10L+
Loan Amount
11%
Rate From p.a.
72 hr
Avg Disbursal
Get Your Loan Offer
Free eligibility check · No impact on CIBIL score
Loan Coverage
What Can Be Financed?
Inventory & Stock Purchase
Pre-season stock buying, bulk purchases to avail supplier discounts, and replenishing fast-moving inventory without cash crunch.
Vendor & Supplier Payments
Pay suppliers on time to maintain relationships, avail early-payment discounts, and avoid supply chain disruptions.
Operational Expenses
Salaries, rent, utility bills, packaging, logistics, and day-to-day overheads during slow revenue months or business expansion phases.
Large Order Fulfilment
Bridge the gap between receiving a large purchase order and getting paid — execute big contracts without waiting for collections.
Seasonal Cashflow Management
Handle seasonal peaks and troughs in revenue — especially for retail, manufacturing, and agri-based businesses with cyclical income.
Minor Equipment & Machinery
Short-term financing for equipment upgrades, maintenance, or small capital purchases that don't justify a full term loan.
Getting Started
How the Loan Process Works
Free Consultation
Our SME finance expert understands your cashflow need and recommends the right working capital product — term loan, OD, or invoice financing.
Eligibility Check & Lender Match
We assess your business financials and CIBIL, then match you with the best-fit bank or NBFC from our network of 50+ partners.
Documentation, Submission & 72-Hour Disbursal
We guide you on documents, prepare and submit the complete file, follow up daily — and working capital hits your account within 72 hours of approval.
Eligibility
Who can apply?
Business Type
Proprietorship, Partnership, Private Limited Company or LLP — all eligible
Minimum Operation
2+ years in current business at the same location
Annual Turnover
Minimum ₹50 Lakhs p.a. with active GST filing (monthly or quarterly)
Bank Account
Active current account with minimum 6 months transaction history
Promoter CIBIL
Score of 680+ recommended; lower scores possible via select NBFCs
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Documents Required
- →Business Registration Certificate / MSME / Udyam
- →GST Registration Certificate & Last 12 Months Returns
- →Last 2 Years ITR with Computation
- →Last 12 Months Bank Statements (all accounts)
- →Audited Balance Sheet & P&L (if applicable)
- →Promoter KYC — PAN, Aadhaar, Address Proof, Photo
- →Business Address Proof
- →Purchase Orders / Outstanding Invoices (optional but helpful)
Calculator
EMI Calculator
Common Questions
Frequently Asked Questions
Yes. MSME-registered businesses can access collateral-free working capital under CGTMSE. NBFCs also offer unsecured working capital up to ₹50 Lakhs for businesses with strong GST turnover and banking history.
Working capital is short-term (12–36 months) for operational expenses. Term loans are longer-term for capital expenditure. Both can be availed simultaneously.
Several NBFCs on our panel offer working capital based on GST turnover, banking transactions, and business vintage rather than CIBIL score alone. Finseich matches you with the right lender for your profile.
No upfront fee. Finseich is paid by the lender after successful disbursal. Consultation, eligibility check, and documentation support are completely free.
Ready to get started? We're here to help.
Free consultation, no obligations. End-to-end support from eligibility check to final disbursal.