Working capital overdraft - Bharat Lending Cart
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Fuel Your Business Growth with a Working Capital Loan

Working Capital Loans for Your Business Success

Working capital is the financial heartbeat of any business. When faced with a shortage of funds, Bharat Lending Cart’s Working Capital Loan provides a quick and seamless way to access finances. Also known as a working capital term loan, this loan helps you manage business expenses efficiently with competitive interest rates.

Bharat Lending Cart’s working capital term loans are designed to support your business growth without financial roadblocks. With affordable interest rates and 100% online funding, you’ll have access to capital when you need it the most.

What is a Working Capital Loan?

A working capital loan is specifically created for business owners to help them cover everyday operational costs. Whether dealing with seasonal demand or cash flow shortages, a working capital loan from Bharat Lending Cart serves as your business’s financial backbone.

If used effectively, it can help you:

  • Manage seasonal sales fluctuations
  • Ensure timely staff payments
  • Cover outstanding payables
  • Purchase necessary raw materials
  • Build up cash reserves
  • Prepare for large orders
  • Outsource key business activities

Features of a Working Capital Loan

Bharat Lending Cart’s Working Capital Loan is a practical solution for short-term business expenses, helping you maintain cash flow and plan for the long term. Here are some features:

Competitive Interest Rates

Enjoy market-leading rates that lower your monthly repayments.

Flexible Tenures

Choose repayment terms that suit your business cash flow.

Quick Processing

Fast approval and disbursement ensure uninterrupted business operations.

Minimal Documentation

Simplified paperwork for an easy application process.

Why Choose Bharat Lending Cart for Working Capital Loans?

Here’s why Bharat Lending Cart is the ideal partner for your business’s financial growth:

Customizable Loans

Tailored to meet your business needs.

Flexible Repayment Terms

Choose repayment plans that align with your cash flow.

Fast Approvals

Quick turnaround to keep your operations running smoothly.

Minimal Paperwork

Easy application with reduced documentation.

Generous Loan Limits

High loan amounts to support larger operations.

Bharat Lending Cart Solutions

Effortless Channel Partner Funding

Get tailored financing to support distributors and suppliers, ensuring smooth cash flow across your supply chain.

Accelerate Your Cash Flow

Convert unpaid invoices into immediate cash and keep your working capital flowing without waiting for payments.

Funding for Big Orders

Get the capital you need to fulfill large purchase orders, ensuring you never miss out due to cash limitations.

On-Demand Financing for Businesses

Immediate funding options to cover day-to-day operational expenses without long-term commitments.

Types of Working Capital Loans

Key Features

  • Assistance for MSMEs to manage daily financial needs.
  • Option to choose banking platforms like (IDBI, CUB, Yes Bank).
  • Seamless approval based on your preferences for Drawing Power.
  • Single window for term loan customers to access working capital facilities.
  • MCLR-linked interest rates for an attractive lending rate.
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Eligibility

  • Minimum 3 years of business operations.
  • No existing working capital or overdraft facilities from other banks.
  • No defaults with financial institutions.

Key Features

  • Overdraft facility designed for MSME working capital needs.
  • Paperless in-principle offer letter through a digital journey.
  • No monthly or quarterly statement submissions required.
  • Minimal processing fees at both sanction and renewal stages.
  • Available across platforms like IDBI, CUB, and Yes Bank.
  • Attractive MCLR-linked interest rates and up to ₹3 crore assistance.
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Eligibility

  • Minimum 3 years of operations.
  • No current working capital or overdraft facilities from other banks.
  • No default history with financial institutions.

Key Features

  • Working capital term loans for urgent orders or boosting net working capital.
  • Up to 3-year repayment tenure, including a 6-month moratorium.
  • Financing up to ₹3 crore for existing and ₹2 crore for new customers.
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Eligibility

  • Minimum 3 years operations, (2 years for Existing customer of SIDBI)
  • Operating profit over the last 2 years.
  • No defaults with banks or financial institutions.

Reviews

"The working capital overdraft has been a game-changer for managing our daily business expenses. Very flexible and easy to access!"
Kabir Malik
Kabir Malik
"Excellent service and terms. The overdraft allows us to meet urgent needs, and we only pay interest on what we use. A great option for businesses!"
Anita Kapoor
Anita Kapoor
"Applying for this overdraft was one of the best business decisions I made. It’s hassle-free, and I can repay anytime. Highly recommend for business owners."
Mahesh Prasad
Mahesh Prasad

FAQ's 

1. What is a Working Capital Overdraft?
It is a credit facility that allows businesses to withdraw funds beyond their account balance to meet short-term working capital needs.
A working capital overdraft is a flexible credit limit, while a regular loan is a fixed amount with a repayment schedule.
Businesses with a steady revenue stream and a good credit history are typically eligible.
Interest is charged only on the amount used and ranges between 10-18%, depending on the lender.
Some overdrafts are unsecured, while others may require collateral based on the business’s risk profile.
Yes, you can request an increase based on your business performance and lender approval.
Overdraft facilities are usually reviewed annually but can be extended based on the lender’s assessment.
You only pay interest on the amount utilized, and repayment is flexible based on the funds used.
Yes, lenders may charge a processing fee which can range from 1-2% of the sanctioned limit.
Some lenders may allow converting an overdraft into a term loan, depending on your repayment history.

Bharat Lending Cart is a leading non-deposit taking NBFC specializing in personal and business loans across India. Our streamlined online process ensures quick access to capital with minimal documentation and no need for collateral.

We aim to be your trusted partner in building a solid financial base for your personal aspirations, empowering you to reach your fullest potential.

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