Working Capital Facilities

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    What is a Working Capital Facilities?

    A business, during its tenure of operations, is bound to witness cyclic upheaval. A Working Capital Loan helps businesses sail through such stretches. It is a credit facility crafted for businesses requiring resources principally for their daily operations which are critical to supply chain and inventory management.

    Made available to entrepreneurs by Banks and NBFCs, a Working Capital Loan can be fund-based or non-fund based. The borrower is at liberty to choose any type of Working Capital Loan, determined by the business’s stipulations.

    From Bank Guarantee to Cash Credit, Bank Overdraft to Letter of Credit – Working Capital Loan options are constructed to suit each business’s particular needs. Borrowers can apply for a loan, basis the company’s financial strength and credit score, which is repayable over a period of time and depending on current repayment behavior, can seek enhancements over and above the sanctioned amount

    Why choose OneNDF for Working Capital Facilities?


    • Pioneers in video-conferencing & digital consultation


    • Seamless Customer Experience


    • Lending Uncomplicated


    • Simplified Loan Process

    Pioneers in video-conferencing & digital consultation
    Connect with our Working Capital Loan Pundits, at your convenience. They are available anytime, and anywhere to facilitate an online consultation. Through video-conferencing and tele-consultations, our Loan Pundits go over every minute detail of your requirement to offer customized solutions.

    Lending Uncomplicated
    Our Loan Pundits use our proprietary software to analyze dozens of lenders. The OneNDF Loan Pundit will evaluate key factors to choose the 5 suitable lenders and loan offers based on your profile and requirements.

    Seamless Customer Experience
    Customers are our priority, and we offer real-time updates to keep them informed along the way. We offer reliability you can count on. In the shortest time, we will share a closing date you can depend on.

    Simplified Loan Process
    Get access to our complementary post-disbursement services; e.g., submission of Stock & Book Debt Statements on time, timely Renewal of Limits, work towards No Renewal Fee or Minimum Fee. Fast processing of Ad-Hoc or Temporary Overdraft.

    Working Capital Facilities – Fee & Charges

    Here are the common fees and charges levied on a Working Capital Loan:

    • Processing Charges

      Most lenders request a nominal fee as administration and processing charges to process your application.

    • Pre-payment Charges

      There are no pre-payment charges in working capital; the facility in general is sanctioned for one year. Incase; the limit is closed at the time of Renewal; there are no charges applicable but in case the limit is closed before the Renewal Date; the Bank / Financial Institution may charge a pre-payment penalty.

    • Late-Payment fee

      In case of working capital limits; the Interest is supposed to be serviced in the account and within 7 working days of the charge. for E.g.: if the interest is debited on the last day of the month, the amount of interest to be transferred in the account before the 7th of the next month. Any delay in serve the interest may affect your credit score.

    Working Capital Funds Features and Benefits

    Working Capital allows your business to operate smoothly without losing reputation or momentum.

    • Addresses Current Needs: The Loan will cover any gaps in the capital requirement and address immediate financial needs of your business.
    • Stabilize your business: Taking a Working Capital Loan allows you to operate efficiently even in times of long credit cycle. It helps to stabilize the business in the long run.
    • Preserve your ownership: There is no longer a need to part with equity of your business to get access to funds.

    Easy Eligibility and Documentation: We take you over the eligibility and documentation requirements in detail. Our Working Capital Loan Pundit guides you through the entire process and helps you meet all the requirements for instant approval.

    Types of Working Capital Funds

    Here are the types of Working Capital Loan available in detail so that you can make an informed decision:


    • Cash Credit:

      The borrower is allowed a certain credit limit from which they can withdraw as required. The interest is levied only on the amount withdrawn. The borrower must ensure that the withdrawal amount does not exceed the credit limit. This loan is provided against adequate security in the form of stock and current assets. The loan quantum is generally a percentage of the cash value of the collateral.

      COMING SOON

    • Bank Guarantee:

      A Bank Guarantee is an agreement between the Bank, the borrower and a third party who is in business with the borrower. It is a promise by a Bank to cover the losses of the third party if the borrower is unable to meet his business obligations.

      KNOW MORE

    • Bank Overdraft:

      A Bank Overdraft is a type of credit facility where the Bank allows the customer to withdraw money more than what is available as a balance in their account. The amount withdrawn in excess of the balance is deemed as a loan and interest is charged on it as per the Bank’s policies.

      COMING SOON

    • Letter of Credit:

      A letter of credit is also a non-fund-based credit facility where the buyer hands over a letter of credit from the Bank to the seller in return for goods. It can be both domestic and international. The bank settles the bill for the goods with the seller and the buyer repays the bank in lumpsum or EMI within a stipulated time period which allows the buyer to operate within his repayment capacity,

      KNOW MORE

    • Invoice Discounting:

      Allows businesses to leverage their sales ledger. This allows customers to raise finance from the bank basis their unpaid invoices. When the customer raises an invoice, a percentage of the total is received from the lender which gives the business an instant cash flow boost

      COMING SOON

    • Channel Financing:

      This credit facility extended to the stakeholders in the supply chain such as suppliers and dealers or distributors. Its available in the form of cash credit or bill discounting. Here, once the supplier raises an invoice and the corporate/dealer receives the notification and approves it, then the lending institution disburses the same amount to the supplier’s account.

      COMING SOON

    • Purchase Order Funding:

      This is used as an immediate finance option. Lenders disburse funds against verified purchase orders. This facility is usually extended to companies who sell finished goods such as distributors, wholesalers, retailers, importers & exporters of finished goods, government contractors. Sellers of semi-finished products or raw materials are not eligible for this facility

      COMING SOON

    • Machinery Loan / Equipment Financing:

      This involves obtaining new equipment/machinery or upgrading existing machinery using a loan or lease and the payments are made in EMI over a period of time. Businesses availing equipment loan enjoy tax benefits also.

      KNOW MORE

    Speak to our Loan Pundit today to understand more about Working Capital Loan and choose the right one for your business.

    Eligibility Criteria Requirement
    Age The vintage of the Firm should be at least two years.
    Business Type
    • Sole Proprietorship
    • Partnership
    • Public or Private Limited Companies
    Assessment Financial assessment & Valuation of the property offered as collateral.
    Self Employed Individuals
    Duly filled Application Form
    Passport Size Photograph
    Proof of Identity – Voter ID card/PAN card/ Passport/Aadhar card/Valid Driver’s license
    Proof of Residence – Latest Electricity Bill/Utility Gas Bill/Telephone Bill/Passport/ Registered lease agreement with a utility bill in the name of the landlord
    Proof of Business: Registration Certificate/GST Certificate
    Proof of Income: Income Tax returns (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant of previous 2 years
    Bank Account Statements (self & business) – previous 12 months
    Complete chain of Property papers
    Sanction Letters & Repayment schedules of all the loans & limits; if any

    FAQs

    A Working Capital Loan is a loan taken by businesses to meet day-to-day expenses. The loan is used to cover short term costs required to meet the operational needs of an organization.

    Any business owner can apply for a Working Capital Loan. These include Sole Proprietorships, Partnerships, Public Limited Companies and Private Limited Companies.

    The Working Capital Loan requirement varies and for this reason the borrowers can use either a property, Bills, Stocks, or an LC issued by a Bank. Our Loan Pundits will help you determine the collateral you need to get a loan from a bank of your choice.

    The Working Capital amount you can avail is business profile assessment, financial assessment, past track record, loan amount and tenure. To know the exact amount of the loan you are eligible for, please contact our Working Capital Loan Pundits.

    The minimum and maximum tenure of a Working Capital Loan is directly dependent on the type of loan a borrower requires. Please reach out to our Working Capital Loan Pundit to know the tenure you can get.

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