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WORKING CAPITAL LOANS

Keep Your Business Moving
With Smarter Working Capital

Explore working capital financing solutions designed to support day-to-day business operations, inventory, supplier payments and cash-flow requirements.

Flexible Financing Options Simple Digital Process Multiple Lender Options*
WORKING CAPITAL
₹15,00,000
Eligible
Funding Requirement
₹15 Lakhs
Business Purpose
Working Capital
Tenure
3 Years
Estimated EMI
Calculate Below
Inventory
Supplier Payments
Cash Flow
Improve Cash Flow

Maintain healthy liquidity.

Manage Inventory

Stock up for peak seasons.

Pay Suppliers

Clear dues on time.

Support Business Growth

Focus on expansion.

INVENTORY
SUPPLIER PAYMENTS
WORKING
CAPITAL
OPERATIONS
CASH FLOW
DAY-TO-DAY FINANCE

Working Capital That Works For Your Business

Working capital helps businesses manage short-term operational requirements and maintain healthy cash flow while they continue to grow.

  • Inventory purchase
  • Supplier payments
  • Operational expenses
  • Short-term cash-flow requirements
  • Business cycle management
  • Seasonal business needs

What Is Working Capital?

Working capital represents the funds a business uses to manage its short-term operational requirements. Adequate working capital can help businesses maintain day-to-day operations, manage inventory and meet payment obligations.

Current Assets

Cash, inventory and receivables

Current Liabilities

Short-term obligations

=
Working Capital

Funds available for operations

Solutions For Your Business Needs

Inventory Funding

Support eligible inventory and stock requirements.

Supplier Payments

Manage eligible supplier and vendor payment requirements.

Operational Expenses

Explore financing for short-term operational needs.

Seasonal Demand

Prepare for increased demand during seasonal business cycles.

Business Expansion

Support planned growth and expansion requirements.

Cash Flow Management

Manage timing gaps between receivables and business expenses.

Built For Growing Businesses

Retail Businesses
Manufacturing Businesses
Traders & Distributors
Service Businesses

Eligibility depends on business profile, financial performance, credit history, documentation and lender criteria.

Working Capital Loan Features

Flexible Financing Options*
Multiple Lender Options
Digital Application
Transparent Process
Structured Repayment Options*
Business-focused Assistance
*Availability, terms and conditions vary by lender and applicant eligibility.

Check Your Working Capital Eligibility

Provide a few details to understand your indicative financing eligibility.

Indicative Assessment Parameters

Business Name Required
Business Type Entity Type
Business Vintage Years Operating
Annual Turnover ₹ Estimated
Business Income ₹ Estimated
Existing EMI Monthly Obligation
Credit Score CIBIL Estimate
Funding Amount ₹ Required

Working Capital EMI Calculator

15,00,000
₹1L ₹50L
14.0%
10% 24%
36 Months
6 M 60 M

Repayment Summary

Estimated Monthly EMI

₹51,266

Total Principal
₹15,00,000
Total Interest
₹3,45,567
Total Payment

₹18,45,567

Apply Now

Documents You May Need

BUSINESS DOCUMENTS

  • Business Registration Documents
  • GST / Tax Documents where applicable
  • Business Bank Statements
  • Business Financial Statements

APPLICANT DOCUMENTS

  • Identity Proof (PAN, Aadhaar)
  • Address Proof
  • Bank Statements
  • Other lender-required documents
Document requirements may vary based on the lender, business type, applicant profile and loan product.

How Working Capital Financing Works

01
Check Eligibility
02
Submit Application
03
Provide Documents
04
Business & Credit Assessment
05
Loan Processing

Keep Your Cash Flow Moving

Working capital financing can help businesses manage timing gaps between incoming payments and day-to-day expenses.

Receivables
Cash Flow Gap
Working Capital
Operations Continue

Business Dashboard Example

Available Working Capital

₹10,00,000

Inventory ₹4,00,000
Supplier Payments ₹2,50,000
Operations ₹1,50,000
*Illustrative example only.

Why Explore Working Capital Solutions With OMFINX?

Multiple Financial Solutions
Simple Digital Experience
Transparent Process
Business-focused Solutions
Customer Support
Financial Guidance

Working Capital FAQs

Working capital is the difference between a company's current assets (like cash and accounts receivable) and its current liabilities (like accounts payable). It represents the funds available to run day-to-day operations.

A working capital loan is a type of short-term financing intended to fund everyday business operations rather than long-term assets or investments.

It is commonly used to manage inventory, pay suppliers, cover payroll during lean periods, bridge gaps in receivables, and prepare for seasonal demand.

Manufacturers, retailers, traders, distributors, and service providers can apply. Eligibility typically depends on business vintage, turnover, and credit history.

Generally, you need business registration proof, GST returns, bank statements (last 6-12 months), financial statements (P&L, Balance Sheet), and applicant KYC documents.

Lenders evaluate your business's cash flow, annual turnover, operating cycle, credit score, and existing debt obligations to determine eligibility and maximum loan amount.

EMI is calculated based on the principal amount, interest rate, and tenure using a standard amortization formula. You can use our calculator above for an estimate. (Note: Some working capital facilities like Overdrafts charge interest only on the utilized amount).

Yes, small businesses, MSMEs, and sole proprietorships can explore various working capital solutions tailored to their scale of operations.

Yes, traders, distributors, and wholesalers frequently use working capital to manage inventory purchases and bridge the gap between paying suppliers and receiving payments from buyers.

Interest rates are influenced by the business's credit profile, financial health, loan amount, collateral (if any), and the specific lender's internal policies.

Keep Your Business Moving Forward

Explore suitable working capital financing options with OMFINX.

Disclaimer: OMFINX facilitates access to financial solutions and does not guarantee loan approval, interest rates, loan amounts or disbursal. Final terms are subject to the respective lender's eligibility criteria, policies, documentation, credit assessment and verification.

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