Working Capital Loan

Running a small business comes with its own set of financial challenges, especially when it comes to managing day-to-day expenses and meeting increased financial demands. At Rupee Boss, we understand the unique needs of SMEs (Small and Medium Enterprises) and offer customized SME loan solutions to provide the working capital your business requires to thrive.

A working capital loan is a valuable financial tool that helps SMEs bridge the gap between expenses and revenue. Whether it's due to delayed payments from clients or any other reason, our working capital loans ensure that your business has the necessary funds to meet its immediate financial obligations and sustain its operations.

At Rupee Boss, we have a deep understanding of you and your business needs. We strive to provide you with a swift and seamless experience, ensuring that your SME finance requirements are met effectively. Here's how we make sure your experience with us is exceptional:

Working Capital Loan EMI Calculator

Monthly EMI

Loan Amount

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Interest Rate

Monthly EMI

Total Interest

Total Amount Payable

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Check your customised Loan Eligibility now.

Why choose Rupee Boss for your Working Capital Loan needs?

“Rupee Boss offers flexible and affordable working capital loans with competitive interest rates, connecting businesses to a wide network of lending partners across India to fuel their growth and operational needs.”

Service benefits

Structured SME Finance: We assist you in structuring your SME finance in a way that suits your business goals and cash flow requirements. Our expert team will work closely with you to design a financing solution that aligns with your unique business needs.

Flexible Repayment Options: We understand that each business has its own financial rhythm. That’s why we offer flexible repayment options on our SME loans. You can choose a repayment plan that suits your business cash flow, providing you with greater financial flexibility and peace of mind.

Affordable Interest Rates: We believe that access to affordable financing is essential for the growth of your SME. With our extensive network of banks, we strive to provide you with competitive interest rates, ensuring that your loan is cost-effective and manageable.

SME Domain Professionals: We recognize the value of expertise in the SME domain. To support your business growth, we can help you connect with professionals who have in-depth knowledge and experience in the SME sector. Their insights and guidance can prove invaluable as you navigate the challenges and opportunities in your industry.

Multiple Bank Options: We collaborate with various banks, offering you a range of options to choose from for your SME loan. This gives you the freedom to select a bank that best suits your preferences, requirements, and existing banking relationships.

Foreign Currency Funding Assistance: If your business involves foreign currency transactions, we are here to help. Our team can assist you with foreign currency funding solutions, ensuring that your international financial needs are effectively met.

Key Features

Interest Rate: 15% p.a. onwards

Loan Amount: up to 2 crore

Tenure: up to 36 months

Processing Fees: varies across banks

Eligibility Criteria

Home loan eligibility varies across lending institutions and loan schemes so a common set of housing loan eligibility criteria is given below

Age Limit

21 – 65 years (must not be older than 65 by the time the loan matures)

Business Type

self employed individuals, proprietors, private limited companies and partnership firms involved in the business of manufacturing, trading or services

Business Vintage

2 years (profitable)


At the discretion of the bank

Credit Score

Preferably 750 and above (varies across lenders)

Working Capital Interest Rates

Rate of Interest
HDFC Bank 15% – 18%
ICICI 15% – 18%
IndusInd 15% – 18%
Kotak 15% – 19%
SCB 16% – 18%
Yes Bank 16% – 20%
IDFC 16% – 20%
FedFina 17% – 19%
Deutsche Bank 17% – 19%
L&T Finance 17% – 20%
Axis Bank 17% – 20%
Bajaj Finance 17% – 20%
Chola 17% – 20%
Primal Capital Finance 17% – 22%
Piramal 17% – 28%
Avanse 18% – 20%
Godrej Capital 18% – 20%
Clix Capital 18% – 21%
Hero 18% – 21%
Niyogin Fintech 18% – 22%
Mangal Credit And Fincorp 18% – 22%
Poonawalla Fincorp 18% – 22%
Shriram Finance 18% -24%
SMC Finance 18% -24%
Tata Capital 18% -24%
U GRO Capital 18% -24%
NeoGrowth 18% -24%
Aditya Birla 18% – 25%
Fullerton 18% – 26%
Ambit Finvest 18.5% – 21%
Credit Saison India 19% – 20%
Axis Finance 19% – 22%
Unity Small Finance Bank 19% – 24%
Protium Finance 19% – 24%
Ashv Finance – Intellecash 19% – 25%
Dhanvarsha 24% – 32%
Edelweiss Finance 24% – 32%
FinTree 24% – 32%
Ftcash 24% – 32%
IIFL 24% – 32%
Indifi 24% – 32%
LendingKart 24% – 32%

Documents Required

  1. Individual KYC (Photo, Pan, Aadhar Card of all applicants and co-applicants)
  2. Residence light bill of proprietor/all directors/all partners (If rented then rent agreement)
  3. Permanent Address Proof
  4. Business KYC (Company Pan Card, Udyam Certificate, Gumasta Certificate, GST Certificate, List of Directors & Shareholding Pattern, Partnership Deed, Certification of Incorporation,)
  5. MOA (Memorandum of Association) and AOA (Articles of Association)
  6. Office light bill (If rented then rent agreement)
  7. Latest 2 year Company ITR with audit report (CA Attested) (Acknowledgement, Computation of Income, Balance Sheet & Profit & Loss Account, 3CD, 3CB with schedules)
  8. Latest 2 year ITR of all directors (CA Attested)
  9. 1 year GST return.
  10. 1 year current account statement.
  11. All ongoing loans on company and individual name sanction letters.
  12. Repayment track record of all ongoing loans.
  13. Form 32 and Form 20B (if required)
*If turnover is less than 20 lakh then customer needs to have strong banking. Loan will be provided by the bank as per customer banking.
Note: The above list is indicative and your lender might ask for additional documents.


1. How is the Working Capital Loan amount calculated?

The determination of your Working Capital Loan amount hinges on the assessment of your current inventory status and future requirements.

2. What are the permissible uses for the Working Capital Loan funds?

You have the flexibility to allocate the Working Capital Loan funds for the following purposes: Exploit Opportunities Arising from Large Orders or Market Trends Remunerate Employees' Salaries and Wages Settle Payments with Vendors and Suppliers Procure Essential Business Consumables Enhance Cash Flow Stability

3. What is the typical method of repaying a Working Capital Loan?

The manner of repaying a Working Capital Loan varies among different financial institutions. However, customary repayment methods encompass cheque, online transfers, or even cash, contingent upon the lender and the loan amount.

4. Who are the main sources of Working Capital Loans?

Principal sources for obtaining Working Capital Loans encompass traditional entities like banks and NBFCs. Nonetheless, contemporary approaches such as crowdfunding and personal connections with investors are being increasingly explored by borrowers.

5. Are there specific revenue thresholds for qualifying for working capital loans?

The minimum turnover prerequisite for working capital loans is contingent on the requisite loan quantum and the nature of the business. It is advisable to engage with the bank to obtain comprehensive information concerning minimum turnover prerequisites. Notably, startups and MSMEs often have a lower threshold of Rs. 2 lakhs annual turnover to be eligible for a working capital loan.

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