Fuel Your Business Growth with Hassle-Free Working Capital Loans!
Competitive Interest Rates
Enjoy low-interest rates that make your EMIs more affordable, ensuring a cost-effective WCL experience.
Hassle-Free Documentation
Simplified paperwork and minimal requirements ensure a smooth and quick loan approval process.
Flexible Tenure Up to 5Yrs
Choose a repayment period that fits your financial plan, with tenures extending up to 30 years.
High Loan Amount Eligibility
Get access to higher loan amounts, making it easier to finance your WCLwithout financial strain.
Why Choose Our WCL
Nalwar Marketing Services provides customized Working Capital Loan solutions to help businesses maintain cash flow and meet short-term financial needs efficiently. Here’s why our working capital loans stand out:
✅ Flexible Loan Amounts – Get loan amounts tailored to your business needs, ranging from ₹10 lakhs to ₹50 crores.
✅ Competitive Interest Rates – Benefit from interest rates starting from 9.25%, ensuring cost-effective financing.
✅ Quick Approvals & Disbursals – Fast processing and minimal waiting time help you access funds when your business needs them the most.
✅ Minimal Documentation – Simplified paperwork ensures a smooth and hassle-free application process.
✅ Customizable Repayment Tenure – Choose a repayment plan that fits your business cash flow, with tenures ranging from 12 months to 5 years.
Loan Eligibility Criteria
✅ Business Vintage – The business should have been operational for at least 2 years.
✅ Annual Turnover – Minimum annual turnover of ₹50 lakhs is required.
✅ Age Requirement – The business owner should be between 21 to 65 years.
✅ Credit Score – A CIBIL score of 700+ is preferred for better approval chances and lower interest rates.
✅ Profitability – The business must be profitable with stable financial records over the past 2 years.
✅ Collateral Requirement – Some loans may require security (property, stocks, receivables, etc.), while others are available as unsecured loans.
Interest Rates & Processing Fees
✅ Interest Rate – Starting from 9.25%, varying based on business financials and creditworthiness.
✅ Processing Fee – Ranges from 1% – 3% of the loan amount.
✅ Prepayment Charges – Can range from 2% – 4%, depending on the lender’s policies.
✅ No Hidden Fees – Transparent loan processing with clear terms and conditions.
Required Documents for a WCL
We keep the documentation process simple and hassle-free. Below is a checklist of required documents based on your business type:
📌 For Self-Employed & Business Owners:
✅ Identity Proof – Aadhaar Card, PAN Card, Passport, Voter ID
✅ Address Proof – Utility Bills, Rent Agreement, Passport
✅ Business Registration Certificate – GST Certificate, MSME Registration, Trade License
✅ Income Tax Returns – Last 2 years
✅ Bank Statements – Last 6-12 months
✅ Audited Balance Sheet & Profit & Loss Statement
✅ Loan Repayment Track Record (if any existing loans)
📌 For Companies & Partnerships:
✅ Company PAN Card
✅ MOA (Memorandum of Association) & AOA (Articles of Association)
✅ Board Resolution for Loan Application
✅ Partnership Deed (if applicable)
✅ Bank Statements – Last 6-12 months
✅ Income Tax Returns & Financial Statements
Eligibility Criteria & Required Documents for WCL Loan
What is the maximum tenure for a Working Capital Loan?
The tenure ranges from 12 months to 5 years, based on loan type and business needs.
Can I get a Working Capital Loan without collateral?
Yes, unsecured working capital loans are available, depending on your creditworthiness and business financials.
How soon can I get the funds after approval?
Loan disbursal is typically done within 24 to 72 hours after approval.
Is a high CIBIL score necessary for a Working Capital Loan?
A CIBIL score of 700+ improves approval chances, but some lenders may approve loans with lower scores based on business performance
Can startups apply for a Working Capital Loan?
Startups can apply but need to show strong financial records and a solid business plan.