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Working Capital

Finance for day-to-day operations.

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About Working Capital

Working capital finance covers the day-to-day gap between paying for stock, salaries and suppliers and receiving money from customers.

Common forms include cash credit and overdraft limits, short-term loans and receivables-based finance. The right one depends on whether your need is ongoing, seasonal or tied to a specific contract.

Estimate your working capital gap

Working Capital Estimator

₹1,50,00,000
₹1 Lakh ₹50 Crore
45 days
0 days 180 days
60 days
0 days 180 days
30 days
0 days 180 days
₹0

Estimated funding gap

₹30,82,192

Operating cycle
75 days
Average daily turnover
₹41,096
Working capital needed
₹30,82,192
Existing limits
₹0
  • This is a simplified operating-cycle estimate. Lenders assess limits using your financial statements and their own methods.
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Indicative estimate based on the figures you enter. Not a credit assessment.

Why consider Working Capital

  • Smooth cash flow

    Pay suppliers and staff on time even when customers pay late.

  • Pay for what you use

    With overdraft or cash credit limits, interest is usually charged only on the amount drawn.

  • Handle seasonal peaks

    Build stock ahead of busy periods.

What providers usually look at

  • Operating business with regular turnover
  • Clear operating cycle: inventory, receivables and payables
  • Financial statements and GST returns that support the requested limit
  • Satisfactory credit history
  • Security or guarantee, depending on the facility type

Every provider sets its own criteria. Meeting these does not guarantee approval.

Documents commonly requested

  • Bank statements for the last 12 months
  • Audited financials for two to three years
  • Provisional financials for the current year
  • GST returns
  • Stock and receivables statements
  • Details of existing credit facilities
  • Business KYC and registration documents

Have these ready to speed things up. Your provider may ask for more.

How Fundslelo helps

  1. 1

    Share your need

    Answer a few questions about what you need.

  2. 2

    Get a reference number

    Track your request any time.

  3. 3

    Review options with us

    We explain which providers may suit you.

  4. 4

    Apply with the provider

    The provider assesses and decides.

Ready to explore Working Capital?

It takes a few minutes. We aim to respond within 12–24 business hours.

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Questions about Working Capital

How is the working capital requirement worked out?

Lenders look at your operating cycle — how long cash is tied up in stock and receivables, less the credit you get from suppliers — and your projected turnover.

Can I get working capital without collateral?

Sometimes. Unsecured limits and government-backed guarantees exist for eligible MSMEs; larger limits usually need security.