Our Working Capital Options
Four ways to keep funds flowing when your business needs them.
Cash Credit
A revolving credit line against your stock and receivables, so funds are available whenever you need them.
Overdraft
Withdraw more than your account balance, up to a sanctioned limit, for smooth day-to-day operations.
Working Capital Demand Loan (WCDL)
A short-term loan to meet immediate working capital requirements, repayable within a fixed tenure.
Bill Discounting
Convert your unpaid invoices into immediate cash flow instead of waiting for customer payments.
Who Can Apply
- Existing businesses with an established banking relationship
- Need for short-term operational funding (inventory, receivables, day-to-day expenses)
Documentation Required
- KYC for Individuals: PAN Card, Aadhaar Card, passport-size photographs
- Firm KYC:
- Proprietorship: GST registration, Udyam
- Partnership: GST registration, Udyam, Partnership Deed, Form C (if applicable)
- Company: GST registration, Udyam, COI, MOA, AOA, List of Directors and Shareholders
- Trust: Trust Deed, Trust Registration, List of Trustees
- Income proof (self-employed): last 3 years' ITR with computation, Balance Sheet & P&L, Audit Report
- GST returns for last 12 months, PDF bank statements (12 months)
- Property documents: Title deeds, approved building plan, latest property tax receipt, jamabandi or any other relevant property document
- Loan Sheet and Sanction Letter/Schedule/SOA of all running loans
- Last 3 months stock/DP Statement
- Latest List of Debtors/Creditors
- List of top 5 Customer and Suppliers for last Financial Year along with amount
This list is indicative. Additional documents may be requested based on your profile. Your relationship manager will share the final checklist.
EMI Calculator for Working Capital Loan
Estimate your monthly EMI, view the full repayment schedule, or download it.
Monthly EMI
₹0
Total Payment: ₹0
Total Interest: ₹0
Note: This is an indicative calculator. Final EMI may vary as per lender policy and applicable charges.
⚠️ Important Regulatory Notice
Fynmate acts as a loan facilitator and does not itself sanction, underwrite or disburse loans. We are not a bank or an NBFC. Loan approval, sanctioned amount, interest rate and terms are entirely at the sole discretion of the lending bank/NBFC, based on their independent credit appraisal of your application.
As per RBI's Key Fact Statement (KFS) requirement, lenders are required to provide a standardised summary disclosing the Annual Percentage Rate (APR) and all applicable charges for retail and MSME loans. Please review the KFS carefully before accepting any loan offer.