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A great business can run out of cash.
Yours shouldn't.
Working capital isn't just a finance term — it's the reason your business keeps moving, or suddenly stops. Let's make sure yours never stops.
- Fast disbursal with minimal paperwork
- Funding from ₹50 lakh to ₹100 crore
- Collateral-free options available
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Prefer to talk it through first?
Most business problems, when you trace them back, come down to one thing: money wasn’t there when it was needed. Working capital is how you make sure that never happens.
Book your free working capital consultationEstimate your working capital EMI
Move the sliders to see your indicative monthly EMI. For the full breakdown and a year-by-year amortization schedule, open the complete calculator.
Estimates only. Actual rates and EMI are subject to lender approval and your business profile.
What exactly is working capital, and why should you care?
Here's a simple way to think about it.
You run a manufacturing business. You get a large order. You buy raw materials today, produce the goods over the next 30 days, deliver them, raise an invoice, and then wait another 60 days for the buyer to pay you.
That's 90 days where your money is stuck — but your salaries, rent, electricity bills, and vendor payments can't wait 90 days. They're due right now.
This gap — between money going out and money coming in — is your working capital requirement. It's not a sign of a weak business. It's simply the reality of how businesses operate. Even profitable companies face this. The ones that handle it well, grow. The ones that don't, struggle.
At FinAxis®, we help your business bridge this gap — smartly, quickly, and without unnecessary stress.
Four things working capital helps your business actually do
Keep operations running
Pay salaries, vendors, and utilities on time ,every time. No awkward delays. No damaged relationships.
Stock up confidently
Buy inventory at the right time ,bulk discounts, peak season prep without worrying about the cash going out today.
Handle seasonal dips
Bridge the gap between slow months and strong months without touching personal savings or turning down business
Say yes to big orders
Stop turning down growth opportunities because of cash timing. Working capital means opportunity doesn’t knock twice.
Six types of working capital facilities one for every business situation
There's no single solution that fits every business. The right facility depends on your industry, your cash cycle, and your specific need. Here's what FinAxis® offers:
Overdraft (OD)
Draw beyond your account balance when you need to. Pay interest only on what you use — a financial cushion that's always there; you just don't pay for it until you actually sit on it.
Cash Credit (CC)
A revolving credit line up to a sanctioned limit. Withdraw as needed, repay as cash comes in, withdraw again. Ideal for businesses with regular, predictable cash cycles.
Dropline Overdraft
Like a regular OD, but the limit reduces over time, matching how your loan and business risk both decrease as you repay. Lower interest burden, smarter structuring.
Lease Rental Discounting (LRD)
Own a commercial property that's leased out? Use those future rental receipts as collateral to unlock liquidity today. Your asset works for you, twice.
Letter of Credit (LC)
A bank's guarantee to your supplier that payment will come on time, as agreed. Builds supplier trust, enables better credit terms, and keeps import/export trade flowing.
Bank Guarantee (BG)
Assures clients, government bodies, or partners that your business will honour its commitments. Opens doors to contracts that would otherwise require large upfront deposits.
How our working capital works
From your first conversation to funds in your account — here's the journey.
Initial Consultation
Discuss your business goals and working capital needs with our FinAxis experts.
Financial Assessment
We analyze cash flow, revenue, and liabilities to determine the best loan structure.
Documentation Review
We guide you through document collection and compliance checks.
Credit Analysis
Our team evaluates your creditworthiness and repayment capacity in detail.
Final Approval
Receive a personalized approval summary within days.
Disbursement
Funds are credited quickly, so you can focus on business growth.
Who can apply and what do you need?
Documents needed
GST certificate, last 6–12 months bank statements, ITR (if applicable), business proof (Shop Act / MSME / Incorporation), KYC documents (PAN, Aadhaar).
Not sure if you qualify?
Talk to us anyway. Many businesses assume they won't, and are pleasantly surprised. We've helped businesses that banks said no to.