WHAT WE DO

Working Capital Loan

Documents Required for a Working Capital Loan

For Self-Employed & Business Owners:

  • PAN Card & Aadhaar Card
  • Business Registration Certificate
  • Bank Statements (last 6–12 months)
  • Income Tax Returns (last 2 years)
  • GST Returns & Balance Sheet

For Loan Against Property (if applicable):

  • Property Ownership Documents
  • Valuation Report

How to Apply for a Working Capital Loan?

  • Check Your Loan Eligibility
  • Submit Required Documents Online
  • Get Instant Loan Approval
  • Receive Funds in Your Account Within 72 Hours

Overview

Working Capital Loan – Keep Your Business Running Smoothly with Easy Financing A healthy cash flow is the backbone of every business. Whether it’s managing day-to-day expenses, paying suppliers, purchasing raw materials, or covering operational costs, a Working Capital Loan ensures uninterrupted business operations. At Tansi Fintech Private Limited, we provide quick and hassle-free working capital loans with minimal paperwork, competitive interest rates, and fast disbursal.

Why Choose Our Working Capital Loans?
  • Loan Amount – Up to ₹5 Crore.
  • Interest Rates – Starting from 12%* p.a.
  • Tenure – Up to 10 years.
  • Collateral-Free Options – 100% unsecured loans available.
  • Quick Disbursal – Funds credited within 48–72 hours.
  • Minimal Paperwork – Simple and transparent process.

Types of Working Capital Loans We Offer

  • Short-Term Working Capital Loan – Manage temporary cash shortages or seasonal expenses.
  • Invoice Financing – Get funds against pending invoices to maintain liquidity.
  • Overdraft Facility– Access funds as and when required, pay interest only on the used amount.
  • Trade Credit Loan – Finance raw material purchase, supplier payments, and imports/exports.
  • Loan Against Property for Working Capital – Leverage your residential or commercial property for higher loan amounts.
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Working Capital Loan Eligibility Criteria


To apply for a Working Capital Loan, you need to meet the following conditions:

  • Age: 21 to 65 years
  • Business Vintage: At least 1 year of operations
  • Minimum Annual Turnover:₹10 Lakhs (may vary by lender)
  • Credit Score:700+ for the best interest rates
  • Business Registration:Must be a sole proprietorship, partnership, private limited company, or LLP.

Benefits of Working Capital Loan


  • Collateral-Free Options: Unsecured loans available without pledging assets.
  • Flexible EMI Plans:Repay as per your business cash flow.
  • High Loan Amounts: Up to ₹5 Crore funding based on eligibility.
  • Fast Approvals & Disbursal: Get funds within 2–3 working days.
  • Affordable Rates:Competitive interest rates designed for SMEs & businesses.

FAQs Working Capital Loans

You can avail up to *₹5 Crore*, depending on your business turnover, credit history, and financial health.
Not necessarily. We offer unsecured working capital loans without collateral. For larger amounts, you may opt for a loan against property to access higher funds.
The repayment period is flexible, ranging from 1 year to 10 years, based on the type of loan and your business needs.
Yes , startups can apply, provided they meet the basic eligibility criteria like minimum business vintage, turnover, and registration requirements.