Loans
Working Capital Loan
Liquidity to run and grow your business.
Short-term financing that keeps your business running — cover inventory, receivables and day-to-day operating expenses.
As assessed
Limit
11% - 16%
Approx. Rate p.a.
₹1L
Min. Amount
Indicative Rates Disclaimer
The Loan-to-Value (LTV) ratios and interest rates displayed on this website are indicative only and are subject to change without notice. All rates and LTV figures are provided for general informational purposes and do not constitute a formal offer, commitment, or guarantee of any financial product or service.
In focus
Working Capital Loan
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Working Capital Loan EMI
Estimate repayment on a short-term facility
Monthly EMI
₹88,849
Indicative EMI. Actual terms confirmed after review.
Overview
What is Working Capital Loan?
A working capital loan provides short-term funding to meet the everyday running costs of a business — buying inventory, bridging receivables, paying suppliers and covering operating expenses. It smooths the gap between money going out and money coming in, so operations continue uninterrupted through seasonal or cyclical swings. Limits are set against your business's cash flows and, where relevant, its assets.
Why consider it
- Covers inventory, receivables and operating costs
- Bridges the gap between payables and receipts
- Limits assessed against business cash flows
- Keeps operations running through seasonal swings
Process
How it works
A concise, largely digital journey from enquiry to disbursal.
Share your requirement
Tell us what you need and the asset you'd like to borrow against.
Submit documents
Provide a short set of documents — largely digital, no branch visit.
Assessment & approval
We assess your profile and the collateral, and confirm your terms.
Funds disbursed
On acceptance, the amount is transferred to your registered bank account.
Why AltWealth
Liquidity without disruption
Your investments stay invested
Borrow against your holdings without selling — your NAV and long-term returns keep compounding.
Quick, digital disbursal
A concise online application with approvals typically in 24–48 hours. No branch visits.
No credit-score hurdle
The facility is secured against your securities, so a CIBIL score isn't the gate.
Regulated lenders
Facilities are arranged with RBI-regulated lenders, with a digital lien on your holdings.
FAQs
Frequently Asked Questions
What can a working capital loan be used for?
It funds day-to-day business needs — purchasing stock, paying suppliers and staff, and bridging the wait on customer receivables. It is not meant for long-term capital assets.
How is the limit decided?
The limit is assessed primarily against your business's cash flows and operating cycle, and, where relevant, its assets. Final figures follow a review of your financials.
How is it repaid?
Working capital facilities are short-term and are typically repaid or renewed over a cycle as receivables come in. Structures vary by requirement.
Who is it for?
It suits businesses that need to smooth the timing gap between spending on operations and receiving payment from customers.