Working Capital Finance
Working Capital Loan
Keep cash flowing while your business grows.
In textile and manufacturing businesses, money is always in motion — stock, receivables, advances. Working capital finance keeps operations liquid without eating into margins. We structure cash credit limits, overdrafts and CGTMSE-covered facilities that match your operating cycle, renewing and enhancing them as you grow.
Cash Credit (CC)
Revolving limits against stock and receivables — pay interest only on what you use.
Overdraft (OD)
Flexible overdraft facilities against property or financial securities.
CGTMSE Loan
Government-guaranteed, collateral-free working capital up to ₹5 crore for eligible MSMEs.
Run Your Numbers
What would your working capital loan cost?
Typical figures for this product are pre-filled — adjust them to match your plan.
₹25 L · enter ₹1 L to ₹5 Cr
Enter 6% to 20% per annum
Enter 1 to 30 years
Indicative calculation on reducing balance. Your exact rate depends on your profile — we negotiate it down across 35+ banks.
Your Monthly EMI
₹81,847
- Principal₹25,00,000
- Total Interest₹4,46,485
Total Interest
₹4,46,485
Total Payment
₹29,46,485
Common Questions
Working Capital Loan — answered honestly.
Cash credit is secured against stock and receivables and is meant purely for working capital; an overdraft is usually secured against property or deposits and offers more flexible end-use. We help you pick the structure with the lowest effective cost.
Yes — CGTMSE-covered facilities provide collateral-free limits up to ₹5 crore for eligible manufacturing and service MSMEs. Your eligibility depends on financials and credit conduct.
Banks assess your operating cycle, turnover and margins — commonly 20–25% of annual turnover. We present your file to lenders whose assessment method favours your business model.
Let's get your working capital loan moving.
Share your requirement and get a clear, personalised assessment within one working day.