Working Capital Loan

Running a business involves daily operational expenses such as salaries, rent, inventory purchases, and utility bills. A Working Capital Loan helps business owners maintain cash flow and meet short-term liabilities without financial stress. At Personal Loan Guru, we help MSMEs, startups, and small business owners access fast and flexible working capital loans from 30+ top lenders in India.

Working capital loans are ideal for businesses facing seasonal demand fluctuations, invoice payment delays, or expansion needs. These loans do not require collateral for eligible applicants and can be disbursed within 2–4 working days.

Why Choose a Working Capital Loan from Personal Loan Guru?

• - Loan amounts up to ₹50 Lakhs
• - Interest rates starting from 10.50% p.a.
• - Tenure from 12 to 60 months
• - No security or collateral required (for unsecured loans)
• - Quick approval and online processing

Use of Funds:

• - Managing payroll and employee wages
• - Paying rent, utilities, and vendor bills
• - Purchasing raw materials and inventory
• - Handling urgent operational costs
• - Financing short-term projects

Eligibility Criteria:

• - Business should be operational for at least 1 year
• - Annual turnover should meet lender’s minimum requirement (typically ₹10 Lakhs+)
• - Owner’s age: 21–65 years
• - CIBIL or business credit score of 650+
• - Valid GST registration and bank account in the name of the business

Documents Required:

• - PAN and Aadhaar Card of business owner
• - Business registration proof
• - GST returns and bank statements (last 6–12 months)
• - ITR of past 1–2 years
• - Address proof of business and applicant

Our dedicated team works closely with you to assess your requirements and match your profile with the most suitable lenders. We make sure your working capital needs are fulfilled on time with minimum documentation and maximum efficiency.

Whether you're a wholesaler, retailer, manufacturer, trader, or service provider, Personal Loan Guru offers tailored solutions to keep your business moving without disruption.

👉 Apply now for a Working Capital Loan and maintain smooth business operations with the right financial partner by your side!