Working Capital That Keeps Your Business Moving
Every business hits phases where expenses move faster than incoming payments. Working capital loans help you bridge that gap, manage daily operations, and stay in control of cash flow without slowing growth.
Types of Working Capital Loans
Choose the right working capital solution to manage cash flow, daily operations, and business growth efficiently.
Cash Credit (CC)
- Flexible borrowing limit based on business needs
- Interest charged only on the amount utilized
- Ideal for managing inventory and operational expenses
- Typically secured against stock or receivables
- Renewable annually based on business performance
Overdraft (OD)
- Withdraw funds beyond available account balance
- Interest applicable only on overdrawn amount
- Useful for short-term cash flow gaps
- Can be secured or unsecured
- Quick access to funds when required
Working Capital Loan
- Short-term loan with fixed tenure
- Lump sum disbursement for business operations
- Suitable for expansion, payroll, or vendor payments
- Predictable EMIs for easy repayment planning
- Available for MSMEs and growing businesses
Features and Benefits
Eligibility Criteria
Check the essential eligibility requirements to apply for a Working Capital Loan.
Applicant Type
MSMEs, traders, manufacturers, service providers, and professionals are eligible to apply.
Business Vintage
Minimum 1–2 years of active business operations with continuity.
Turnover Stability
Consistent sales performance and a healthy transaction flow are required.
Banking & Credit Profile
Clean current account transactions, acceptable CIBIL score, and good repayment history.
Documents Required
Please keep the following documents ready for a smooth Working Capital loan application process.
Identity Proof
PAN Card, Aadhaar Card, Passport, or any other valid government-issued ID.
Business Registration Proof
GST Registration, Shop Act License, MSME Certificate, or Incorporation Documents.
Financial Documents
ITR, Profit & Loss Statement, Balance Sheet (last 1–2 years).
Bank Statements & GST Returns
Last 6–12 months current account statements and filed GST returns (if applicable).
How Keystones Helps You?
We assess your cash flow, recommend the most suitable working capital structure, connect you with the right banks or NBFCs, and manage documentation , helping you avoid over-borrowing or restrictive terms.
Assessment Methodology
Working Capital limits are assessed based on your business performance, cash flow cycle, and operational requirements to ensure optimal funding support.
Turnover Analysis
Assessment is based on annual sales turnover to determine eligible working capital limits aligned with business scale.
Operating Cycle
The cash conversion cycle covering inventory, receivables, and payables is evaluated to understand actual funding needs.
Financial Statements
Analysis of audited balance sheets, profit & loss statements, and bank statements to assess financial health.
Credit & Risk Profile
Credit history, repayment behavior, and business stability are reviewed to determine risk and suitable limits.
Frequently Asked Questions
How is working capital limit calculated?
Is collateral required for working capital loans?
Can limits be increased later?
What’s the difference between CC and OD?
How fast can I get funds?
Can startups apply for working capital loans?
Apply for Working Capital Loan
Cash flow shouldn’t decide your business pace.
Apply through Keystones for working capital solutions that keep your operations moving without financial strain.