Keep your business running smoothly with our working capital loans. Whether you need to pay suppliers, manage inventory, or bridge seasonal gaps, we provide quick access to funds that keep your operations flowing.
Note: (Fields marked with * are required)
Note: (Fields marked with * are required)
Combine your loan with these subsidies to reduce
costs and maximize benefits
15% capital subsidy on technology upgradation
Collateral-free facility
15-25% on machinery cost
Additional subsidies for quality compliance
A loan to fund your day-to-day business expenses – buying raw material,
paying salaries, managing inventory, and keeping operations running
smoothly. Unlike a term loan (for a specific asset), working capital keeps
your business cash flow healthy through its regular operating cycle.
Three main types: (a) Cash Credit (CC) – draw and repay as needed,
interest only on amount used; (b) Overdraft (OD) – similar, linked to your
current account; (c) Short-term working capital loan – lump sum for a fixed
period. LoanVittus helps identify which type suits your business cycle and
cash flow pattern.
Banks look at your sales, inventory, how fast customers pay you, and how
fast you pay suppliers. They use methods like MPBF (Maximum
Permissible Bank Finance) – typically 25% of projected turnover for loans
up to ₹5 Crore, or detailed assessment for larger facilities. This is
calculated through your CMA data. LoanVittus generates CMA in
standard banking format.
Not always. Several options exist for collateral-free lending: CGTMSE-backed loans (up to ₹2 Crore without collateral, subject to eligibility), MUDRA loans (collateral-free by design), and select NBFC and private bank products based on cash flow and credit profile. For larger loan amounts or certain bank products, collateral or third-party guarantee may be required. LoanVittus identifies the most suitable options for your situation.
CMA is a standard financial format that banks use to assess your working
capital need. It shows your current and projected financials in the way
banks want to see them – including Balance Sheet, P&L, Fund Flow, and
MPBF calculation. Required for almost all CC/OD proposals and annual
renewals. Without a well-prepared CMA, your limit will be sub-optimal.
Banks deduct your expected contribution (usually 25%), exclude non-
business assets, and calculate based on your actual business cycle – not
what you think you need. If your receivables are fast or inventory is lean,
the assessed need is lower. High creditor days also reduce the gap.
LoanVittus helps optimise your CMA to get the maximum justifiable limit.
CMA data (LoanVittus generates this), last 2–3 years’ financials, 12
months’ bank statements, GST returns, latest stock statement, debtor-
creditor ageing details, PAN, Aadhaar, and business registration. For CC
facilities, banks may also require a stock hypothecation agreement.
Common reasons: mismatch between your CMA projections and actual
financials, slow collections from customers (high debtor days), weak
current ratio (banks prefer 1.33+), frequent cheque bounces, declining
sales trends, or adverse stock audit findings. Banks also check account
conduct – over-utilisation of existing limits is a red flag. LoanVittus
addresses these before you apply.
If you have a CC account, the bank sends auditors (quarterly/half-yearly)
to physically check your inventory. Significant discrepancies between what
you reported and what’s actually there can reduce your drawing power,
trigger additional margin demands, or in extreme cases, lead to facility
recall. Accurate stock records are critical.
Yes, this is very common. Your DPR covers the term loan and CMA
covers working capital. Banks assess both as a combined proposal.
LoanVittus generates combined DPR + CMA, ensuring repayment
analysis accounts for both facilities together.
Indicative ranges: CC: 8.5% –15% p.a.; OD: 9–14% p.a.; Short-term WC:
9%–16% p.a. Interest on CC/OD is charged only on the amount you
actually use, not the full limit. Rates may vary based on borrower profile,
lender policy, and economic conditions. LoanVittus does not determine
rates.
We generate bank-standard CMA data, analyse your business cycle to
justify the right limit, help you explore suitable lender options., prepare
renewal documentation, and generate combined DPR + CMA for multi-
facility proposals. We assist in organising financial information – we do not
make lending decisions.
