Working Capital Loan
Cash flow gaps should never stop a good business. Our Working Capital Loans help you pay suppliers, manage inventory and cover operational expenses while you wait for receivables — so your business never misses a beat.
Why choose this
- Short-term funds for operational needs
- Quick processing for existing businesses
- Flexible repayment aligned to your cash cycle
- No need to liquidate long-term assets
Key features
Why choose Recapita's Working Capital Loan
Short-term funds for operational needs
Quick processing for existing businesses
Flexible repayment aligned to your cash cycle
No need to liquidate long-term assets
Eligibility
- Operating business with at least 1 year of vintage
- Regular banking transactions
- Valid business KYC
Documents required
- KYC of proprietor / partners / directors
- Business registration or GST certificate
- Last 6 months' bank statement
How it works
From application to disbursal in four steps
- 01
Online Application
Apply online and our customer care executives will get in touch with you.
- 02
Verification
Furnish the required documents for a simple, transparent verification, subject to KYC.
- 03
Approval
Your documents are assessed and your application is processed, subject to eligibility and our credit policy.
- 04
Disbursal
On approval, the sanctioned loan amount is disbursed directly to your bank account.
Interest & charges
Transparent pricing, disclosed up front
Your exact rate and charges are confirmed in your sanction letter and Key Facts Statement.
Indicative interest rate
12% – 28% per annum, based on facility type and your risk profile.
A Key Facts Statement (KFS) setting out the all-inclusive cost of your loan — including the Annual Percentage Rate (APR), fees and charges — is provided with your sanction, as required by RBI.
Schedule of Charges
| Charge | Details |
|---|---|
| Interest rate | As per the product range above and your sanction letter / KFS. |
| Processing fee | Determined by product type and loan amount; disclosed at sanction. |
| Prepayment / foreclosure | Nil for individual floating-rate loans; up to 5% on other loans for early closure before the agreed tenure. |
| Penal charges | Up to 24% per annum (non-capitalised), applied on the overdue principal only. |
| Cheque / mandate bounce | ₹500 plus GST per instance of dishonour or payment bounce. |
| Auction charges (secured/gold) | Actuals where recovery through auction becomes necessary, as per the loan agreement and Gold Auction Policy. |
| Stamp duty & statutory levies | At actuals, in accordance with applicable law. |
All loans are at the sole discretion of Recapita Finance Private Limited and are subject to KYC, eligibility, documentation, valuation and applicable RBI norms. Interest rates and charges vary by product, tenure and borrower risk profile, and are confirmed in your sanction letter and Key Fact Statement (KFS). Information on this page is indicative and for general guidance only — it does not constitute a binding offer of credit.
Questions
Frequently asked
How is this different from a business loan?
Working capital loans are shorter-tenure funds for day-to-day operations, while business loans typically fund growth and expansion.
Ready to conquer your next milestone?
Apply online and our team will get in touch - or call us directly at +91 9109915411.