About Working Capital Loan
Loanpao’s Working Capital Loans in Delhi, India, provide funds to manage day-to-day business operations, such as paying salaries, purchasing inventory, or covering operational expenses. These loans offer quick disbursal and flexible repayment options to support business liquidity.
Why Choose Loanpao?
- Interest Rates starting at 11.5% p.a.
- Loan Amount from ₹1 Lakh to ₹25 Lakh
- Tenure up to 3 years
- Disbursal within 1–3 days
- Minimal documentation
- Collateral optional for loans below ₹5 Lakh
- Flexible repayment options
- Transparent process with no hidden charges
Eligibility Criteria
| Criteria | Requirement |
|---|---|
| Age | 25–65 years |
| Business Turnover | ₹30 Lakh p.a. or above |
| Credit Score | 650 or above |
| Business Experience | Minimum 1 year in operation |
Documents Required
- KYC: Aadhaar, PAN, Address Proof of business owner
- Business Proof: GST Registration, Shop Act License, or Udyam Certificate
- Financials: ITR (1 year), Profit & Loss Statement
- Bank Statements: Latest 6 months
- Cash Flow Statement: Optional for loans above ₹10 Lakh
Interest Rates
| Bank/Lender | Interest Rate | Processing Fee |
|---|---|---|
| SBI | 11.5% p.a. | 1% or ₹1,500–₹10,000 |
| HDFC Bank | 11.8% p.a. | 0.75% or ₹2,000–₹8,000 |
| ICICI Bank | 12.0% p.a. | 1% or ₹1,500–₹9,000 |
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How to Apply
- Fill out the online application with business and financial details.
- Submit KYC, business proof, financials, and optional cash flow statement.
- Undergo credit and business assessment.
- Receive approval within 24–48 hours.
- Get funds disbursed within 1–3 days.
Frequently Asked Questions
A Working Capital Loan is a short-term loan designed to finance day-to-day business operations, such as paying salaries, purchasing inventory, or managing cash flow.
Business owners aged 25–65 with a minimum business turnover of ₹30 Lakh p.a., a credit score of 650+, and at least 1 year of business operations can apply.
The loan can cover operational expenses like salaries, rent, utility bills, inventory purchases, or supplier payments.
Collateral is optional for loans below ₹5 Lakh. For higher amounts, collateral like property or assets may be required based on the lender’s terms.