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Get working capital loan without collateral for your small business or MSME. Manage cash flow, payroll, inventory, and operational expenses with fast funding from 25+ banks.
Adjust the sliders to calculate your monthly EMI, total interest, and repayment amount instantly.
Indicative values only. Actual EMI may vary based on lender terms.
Instant score check, zero impact on your credit — unlock pre-approved offers from 25+ lenders.
Check My Credit ScoreA working capital loan helps businesses manage daily operational expenses like salary payments, inventory purchases, supplier payments, and cash flow gaps. Simply apply online, submit your business details and documents, and lenders check your working capital loan eligibility based on your business profile and repayment capacity. Once approved, the loan amount is transferred to your bank account, and repayment is made through easy monthly EMIs.
The process is fast and mostly digital—submit your details, complete documentation, get eligibility checked, and receive quick approval with direct fund disbursal into your business account.
Keep your business running smoothly with flexible working capital funding designed to manage daily expenses, improve cash flow, and support business growth.
Manage day-to-day operational expenses like rent, salaries, utilities, and vendor payments without disruption.
Get timely working capital support when your business needs immediate financial assistance for urgent requirements.
Maintain healthy cash flow and ensure your business continues operating efficiently during seasonal or short-term gaps.
Minimal documentation, no collateral. Approval based on your business profile.
Fully digital, zero branch visits. Apply online and get funds in your account fast.
Submit your basic business and contact details online in minutes.
Our dedicated RM will call you and suggest the best working capital offer.
Application forwarded to lender for quick credit assessment.
Loan approved and amount transferred directly to your bank account.
Explore different working capital financing options designed to help businesses manage cash flow, operations, and short-term funding requirements.
A short-term funding option that provides a lump sum amount for operational expenses with structured repayment over a fixed tenure.
Flexible short-term financing that allows businesses to access funds as needed for urgent working capital requirements.
Helps businesses withdraw funds beyond their available account balance up to an approved limit for short-term expenses.
Unlock funds against unpaid invoices to maintain cash flow and manage business operations without waiting for customer payments.
A revolving credit facility that allows businesses to borrow funds for working capital needs based on approved limits.
Ideal for businesses with card sales, offering quick access to funds repaid through future business receivables.
Explore working capital loan interest rates from leading banks and NBFCs to find the best funding option for your business.
| Bank / NBFC | Interest Rate |
|---|---|
| Axis Bank | 11.00% – 25.00% p.a. |
| Bajaj Finserv | 14.00% – 23.00% p.a. |
| HDFC Bank | 10.75% – 22.50% p.a. |
| IDFC FIRST Bank | 10.50% p.a. onwards |
| Kotak Mahindra Bank | 16.00% – 26.00% p.a. |
| HDB Financial Services | Up to 36.00% p.a. |
We compare working capital loan offers from 25+ top banks and NBFCs to match your business with the best deal.
Get working capital funding without pledging any assets — fully unsecured loans based on your business profile.
We work with lenders who support MSMEs, startups, and self-employed businesses with minimal documentation requirements.
Fast digital approval process — your working capital reaches your business bank account within 48 hours of approval.
KreditSeva is 100% free — no fees for guidance, comparison, or application support for working capital loans.
Working capital, overdraft, unsecured loan — we help you find the right type of business financing for your needs.
Everything you need to know about Working Capital Loans. Still have questions?
Talk to Our ExpertA Working Capital Loan is a type of business loan that helps you meet day-to-day operational expenses — like inventory, salaries, rent, and supplier payments — and manage short-term cash flow gaps without disturbing your business funds.
Yes. A Working Capital Loan is offered as a category of business loan. While a regular business loan is often used for expansion or large investments, a working capital loan specifically funds short-term, day-to-day operational needs.
Business owners and enterprises in manufacturing, services, and trading sectors can apply. Most lenders prefer applicants aged 21 to 65 years, with a business vintage of around 2 years and a healthy annual turnover.
Many working capital loans are unsecured and need no collateral, especially for businesses with a good credit history. Secured options are also available against property or other assets, usually at lower interest rates and for higher amounts.
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