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Working Capital Loan

A working capital loan is a type of funding that takes care of a company’s expenses for everyday operations. The company may use the loan amount to provide for short-term operational requirements rather than long-term investments or assets. Usually, individuals and enterprises apply for a working capital loan India to cover costs such as payment for staff, upgrade technology, leverage opportunities, procure raw material, pay an advance to suppliers, debt payment, purchase inventory, maintain cash flow, pay utility bills, rental payment, etc.

At Fullerton India, you can apply for business capital loans online. Through a committed team, we do our best to ensure a pleasant experience throughout your borrowing journey.

Features and Benefits of Working Capital Loan

Listed below are the key benefits and features of taking a working capital loan in India:

  • At Fullerton India, we offer competitive interest rates on working capital loans. The applicable rate depends on several factors such as your net income, collateral, location, business stability, existing monthly obligations, and more
  • We offer collateral-free business loans upto INR 30 lakhs*
  • Flexible repayment tenure ranging between 12 to 36 months for working capital loan India
  • The processing fee is up to 6.5%* of the loan amount

What are the Eligibility Criteria for Business Capital Loans?

Here are Fullerton India’s working capital loan eligibility norms for enterprises and individuals:

  • Applicants eligible are proprietors, private limited companies, self-employed individuals, and partnerships firms working in services, manufacturing, or trading
  • The enterprise must show a record of profits for the last two years
  • Companies must have a turnover of at least Rs. 10 lakhs
  • The enterprise must have a minimum annual income (ITR) of Rs. 2 lakhs every year
  • Individuals can apply for an unsecured small business loan if they have an experience of at least 2 years in the current business and total business experience of at least 5 years

We also offer collateral free loans upto INR 50 lakhs*. To know the details, please click here. For amounts greater than INR 50 lakhs*, we offer business loans secured against property. Please visit our Loan against Property for SME page for more details.

Please contact us to know more.

Who Requires an Unsecured Small Business Loan?

Business capital loans are suitable for SMEs (small and medium enterprises) or businesses that are cyclical or seasonal. As seasonal businesses make the most during peak season, they need financing during the off-season to prepare to sell aggressively at the right time. It is only during the peak season they receive payments. Throughout the entire year otherwise, they need cash flow to sustain everyday operations, for which they can opt for business capital loans.

Documents Required for Working Capital Loan

Below-given is a list of required documents for the Fullerton India unsecured small business loan application:

  • PAN Card and a copy of valid identity proof is mandatory for an applicant who is an individual, firm or company
  • Accepted address proofs are Ration card, voter ID card, driving license, or Passport
  • Income documents include the latest Income Tax Return with computation of income, profit and loss account and balance sheet of the last 2 years. These documents must carry requisite certification from a Chartered Accountant. Alternatively, any other valid proof of income will also suffice. Please contact us to know more.
  • Bank statements of the last 6 months
  • Accepted proof of business continuation include Sales Tax Certificate, ITR, Establishment or Trade license
  • A few other proofs include certified true copy of Memorandum and Articles of Association certified by the Director of the company and the Board resolution, a certified copy of the Partnership Deed or Sole Proprietor Declaration, etc


How to apply for a working capital loan?

You can apply for working capital loans on the official website of Fullerton India. Alternately, you can drop by at our nearest branch office to understand the loan schemes and apply for a suitable financial product.

What is the advantage of taking a working capital loan?

The benefits of applying for a working capital loan India are:

  • No risk to business assets as the funding is free of collateral
  • Helps in time of financial emergencies and acts as a cash cushion
  • Easy repayments of an unsecured small business loan through EMIs

What is the age limit for individual applicants?

An individual applicant must be a minimum of 22 years at the time of loan application and less than 65 years at the time of the maturity of a working capital loan.

* Terms and conditions apply
** Subject to foreclosure charges. Terms and conditions applicable.

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