Business Financing

Keep Your Business Running with Smart Working Capital

Access the funds you need to manage day-to-day operations, seize growth opportunities, and stay ahead of the competition.

Pingal Capital — Fast, Flexible Working Capital Solutions

Apply for Working Capital

A dedicated advisor will contact you within one business hour.

Working Capital Finance

What Is Working Capital Finance?

Working capital finance refers to short-term funding solutions that help businesses cover their day-to-day operational expenses. Unlike long-term loans, working capital loans are designed to bridge the gap between your current assets and current liabilities — keeping your business running smoothly even during lean periods.

Common Use Cases:

Managing payroll and operational expenses

Purchasing raw materials or inventory

Bridging gaps between receivables and payables

Funding seasonal business demands

Covering unexpected business expenses

Expanding operations or taking new orders

Types of Working Capital Solutions

We offer a range of working capital products tailored to different business needs and cycles.

Cash Credit (CC)

A revolving credit facility against inventory or receivables. Ideal for businesses with regular stock cycles.

Overdraft (OD)

Withdraw beyond your account balance up to a sanctioned limit. Great for managing short-term cash flow gaps.

Bill/Invoice Discounting

Get immediate funds against your outstanding invoices. No need to wait for client payments.

Bank Guarantee (BG)

A lender's promise to cover your liability if you fail to fulfill a contractual obligation.

Documents Required

Prepare these essentials to ensure a smooth and fast working capital loan approval.

KYC Documents

PAN Card — Applicant & Co-Applicant
Aadhaar Card — Applicant & Co-Applicant
Passport size photographs
Address proof (Utility bill / Rent agreement)

Business Documents

Business Registration Certificate
GST Registration Certificate
Partnership Deed / MOA & AOA (if applicable)
Shop & Establishment Certificate
Trade License (if applicable)

Financial Documents

Last 2-3 years ITR with computation
Audited Balance Sheet & P&L Statement
Last 12 months bank statements
GST returns for last 12 months
Existing loan sanction letters (if any)

For Secured Working Capital

Property documents (Title Deed / Sale Deed)
Latest property tax receipt
Approved building plan
Stock statements / Debtors list
Insurance policy of collateral (if applicable)

Eligibility Criteria

Business vintage of at least 1-2 years

Minimum annual turnover as per lender norms

Good credit score (650+ preferred)

Positive cash flow and repayment capacity

Valid GST registration for most products

No major defaults or NPAs in credit history

Document requirements may vary depending on the lender and type of working capital facility. Our advisors will guide you through the exact checklist based on your business profile.

Got Questions?

Frequently Asked Questions

Everything you need to know about Non-Residential Premises Loans. Can't find an answer? Talk to an advisor.

Most lenders require a minimum annual turnover of ₹10-25 Lakhs, though this varies by lender and loan type. We work with lenders across all business sizes.

Once documents are submitted and verified, most working capital facilities are approved and disbursed within 48-72 hours.

Not always. Unsecured working capital loans (up to a certain limit) are available for businesses with good credit history and turnover. Secured options like CC/OD may require collateral for higher limits.

Cash Credit (CC) is linked to your inventory/receivables and is ideal for businesses with regular stock cycles. Overdraft (OD) allows you to withdraw beyond your account balance and is more suitable for short-term cash flow gaps.

Most lenders prefer businesses with at least 1-2 years of operational history. However, certain NBFC and government-backed schemes (like CGTMSE) support newer businesses.

Interest rates typically range from 10% to 18% per annum depending on the lender, loan type, credit profile, and collateral offered.

For most working capital products, yes. GST registration and returns are key documents lenders use to assess your business turnover and credibility.

Working capital is primarily for operational needs. For expansion, a term loan or project funding may be more suitable. Our advisors can help you choose the right product.