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EASYCRED Working Capital Loan

Fuel Your Daily Business Operations with Flexible Financing

11%
Interest Rate
₹2Cr
Loan Amount
48 Hrs
Quick Disbursal
3 Years
Flexible Tenure

Manage Cash Flow Gaps

Bridge temporary cash flow shortages and maintain smooth business operations without interruptions.

Inventory Management

Stock up on inventory to meet seasonal demand or bulk purchase requirements at better prices.

Accounts Receivable

Cover operational expenses while waiting for customer payments to maintain business continuity.

Equipment Maintenance

Fund repairs, upgrades, or maintenance of essential business equipment and machinery.

Marketing Campaigns

Launch promotional activities, advertising campaigns, or expand market reach with adequate funding.

Staff Expenses

Manage payroll, hiring, training, and other employee-related expenses during lean periods.

Utility & Overheads

Cover rent, electricity, internet, and other operational overheads without cash flow stress.

No Collateral Required

Unsecured working capital loans without the need for property or asset collateral.

Working Capital Loan For All Business Types

Manufacturing
Retail Stores
Restaurants
Logistics
IT Services
Healthcare
Education
Construction
Textile
E-commerce
Fuel Stations
Automobile

Common Working Capital Use Cases

Raw Material Purchase

Fund procurement of raw materials for production cycles

Inventory Stocking

Maintain optimal inventory levels for seasonal demands

Payment to Suppliers

Clear vendor payments while awaiting customer receipts

Salary & Wages

Ensure timely payment of employee salaries

Working Capital Loan Features

  • Interest Rates: Starting from 11% p.a.
  • Loan Amount: Up to ₹2 Crores
  • Processing Fee: 1.5-2% of loan amount
  • Prepayment: Allowed after 6 months
  • Repayment Tenure: 3 months to 3 years
  • Business Vintage: Minimum 1 year
  • Turnover: Minimum ₹15 Lakhs per annum
  • Disbursal Time: 24-48 hours

Eligibility Criteria

Business Vintage

Minimum 1 year in operation

Annual Turnover

Minimum ₹15 Lakhs per annum

Bank Statements

Last 6 months business bank statements

Credit Score

Minimum 600 credit score