Fuel Your Business Growth With the Working Capital Loan

Apply Now and Get Your Working Capital Loan against home mortgage!

Fuel Your Business Growth With the Working Capital Loan

Apply Now and Get Your Working Capital Loan!

About Us

We Help Clients To Get Loans Easily

Fast Approvals | Flexible Solutions | Trusted Expertise

1. Expert Advisors: We specialize in understanding the unique needs of business owners and recommend the best loan products.

2. Hassle-Free Process: Our experienced team simplifies paperwork, making your loan journey quick and easy.

3. Fast Approvals: Get the capital you need, faster. We help you avoid delays and reduce approval time.

4. Ongoing Support: We help you secure the loan and support your long-term business growth.

5. Personalized Support: We provide expert, personalized guidance at every step.

Unlock the power of working capital for your business. Our expert team will help you find the right loan solution.

About Us

We Help Clients To Get Loans Easily

Fast Approvals | Flexible Solutions | Trusted Expertise

1. Expert Advisors: We specialize in understanding the unique needs of business owners and recommend the best loan products.

2. Hassle-Free Process: Our experienced team simplifies paperwork, making your loan journey quick and easy.

3. Fast Approvals: Get the capital you need, faster. We help you avoid delays and reduce approval time.

4. Ongoing Support: We help you secure the loan and support your long-term business growth.

5. Personalized Support: We provide expert, personalized guidance at every step.

Unlock the power of working capital for your business. Our expert team will help you find the right loan solution.

What we do

Services that are right for you

Fund-Based Working Capital Loans

Fund-based loans involve direct funding by banks or financial institutions, where the borrower receives money to manage their working capital needs.

Cash Credit (CC)

A revolving credit facility allowing businesses to withdraw funds up to a sanctioned limit.

Interest is charged only on the utilized amount.

Overdraft (OD)

Similar to cash credit but typically linked to a current account

Helps manage short-term liquidity mismatches.

Working Capital Term Loan (WCTL)

A fixed-term loan to address working capital requirements.

Comes with structured EMIs.

Packing Credit

Short-term loan for exporters to purchase raw materials and process goods for export.

Available pre-shipment.

Bill Discounting/Invoice Financing

Provides funds against unpaid invoices or bills receivable.

Reduces cash flow gaps.

Commercial Property Purchase

The property will be used for business expansion —office space, retail store, warehouse, etc.

Business Expansion

Non-Fund-Based Working Capital Facilities

Non-fund-based facilities involve contingent liabilities, where banks do not disburse direct funds but provide guarantees or commitments.

Letter of Credit (LC)

A guarantee issued by a bank to the seller (supplier) ensuring payment upon fulfilling certain conditions.

Widely used in trade finance.

Bank Guarantee (BG)

A promise by the bank to pay a beneficiary if the borrower defaults.

Commonly used in contracts and tenders.

History Of Our Company

With over 20+ years of experience, Somnath Sarkar(Ex Axis ,SCB,Deutsche, Aditya Birla Capital), Suvojit Dutt (Ex Axis ,SCB,Aditya Birla Capital)and Surajit Ghoshal(Ex Axis,Aditya Birla Capital)We helped more than 1,000 customers secure their dream homes by providing expert guidance on home loans, ensuring a smooth and stress-free experience for each individual.

How It Works

Reach Out - Share your business needs with us.
Customized Plan- We analyse your requirements and provide personalized loan options.
Fast & Easy Process- We handle the paperwork and approve you quickly.
Access Funds- Get the working capital you need to grow your business.

Somnath Sarkar

With over 20 years of experience in the Banking and NBFC sectors, including senior leadership roles as Asst Vice President and Area Head specialize in providing innovative financial solutions. Together with my team of seasoned professionals—each with more than two decades of expertise—we empower SMEs, B2B, and B2C businesses, as well as individuals, to achieve their financial goals confidently.

Surajit Ghoshal

With over 20 years of experience in the Banking and NBFC sectors , including leadership roles as Senior Manager and Senior Area Head, I specialize in providing innovative financial solutions. Together with my team of seasoned professionals—each with more than two decades of expertise—we empower SMEs, B2B, and B2C businesses, as well as individuals, to achieve their financial goals confidently.

Suvojit Dutt

With over 20 years of experience in the Banking and NBFC sectors, including senior leadership roles as Vice President and Senior Vice President, I specialize in providing innovative financial solutions. Together with my team of seasoned professionals—each with more than two decades of expertise—we empower SMEs, B2B, and B2C businesses, as well as individuals, to achieve their financial goals confidently.

Get your FREE online credit evaluation now

Wondering about your financial health? Get a FREE online credit evaluation now!

A good credit score can unlock doors to better financial opportunities like loans.

Type of property financing by lender

Residential Property

Flat, Independent House

Commercial Property

Office space, retail store, warehouse, hospital, factory

Special Property

Vacant land, School, College, -HUF, Trust, Society

Applying for a Working Capital Loan

Gather Documentation
Secure funds to open or expand your retail space.

Contact Lender
Reach out to lenders to discuss your loan needs and explore available options.

Negotiate Terms
Carefully review the loan agreement and negotiate terms that are favorable to your business.

What client say about us

Somnath Sarkar provided clear, actionable advice on working capital loans. His tailored solutions helped optimize our cash flow. I highly recommend his service for any business needing financial clarity!

ANAND KUMAR PATODIA

AUTO MARKETING AGENCY (ROYAL ENFIELD PARTS DEALER)

Somnath’s working capital loan advice was spot-on. He simplified complex processes and provided smart, cost-effective solutions. Truly a standout in financial consulting!

VICTOR DAS

AVR HOTEL & RESORTS PVT LTD And partner - Baba lokenath medical

Frequently Asked Question

What is the best way to manage unpredictable cash flow in my business?

Unpredictable cash flow can disrupt your business operations. A working capital loan helps bridge financial gaps, ensuring timely payments to suppliers and employees. Our advisory service guides you in securing the right loan to stabilize your cash flow.

How can I simplify the documentation process for a working capital loan?

We help you streamline the loan application process by guiding you through the required documentation, ensuring accuracy, and minimizing delays. Let us handle the paperwork while you focus on running your business.

What can I do to improve my chances of loan approval?

Many loan applications are rejected due to incomplete information or poor financial presentation. Our experts work with you to prepare accurate financials and a strong application to increase your chances of approval.

How can I avoid hidden charges in a working capital loan?

Transparency is key when choosing a loan. We provide detailed comparisons of loan options, ensuring you understand all costs, including interest rates and fees, so there are no surprises later.

How do I choose the right working capital loan for my business?

Every business is unique, and so are its financial needs. Our personalized advisory service helps you select a loan that aligns with your business goals and repayment capacity.

Why do working capital loan approvals take so long?

Delays often result from missing documents or unclear processes. With our expertise, we help you prepare a complete and compliant application, ensuring faster approval timelines.

What should I do if the approved loan amount is too small for my needs?

If your loan doesn’t meet your requirements, we work with lenders to negotiate better terms or explore alternative financing solutions to meet your business goals.

Can I get a working capital loan without providing collateral?

Yes, many lenders offer unsecured working capital loans. We help you identify lenders who provide loans based on your business performance, reducing the need for collateral.

How do I know if my business qualifies for a working capital loan?

Eligibility depends on factors like revenue, credit score, and business age. We assess your business’s financial health and recommend suitable loan options, saving you time and effort.

What is a working capital loan advisory service?

A working capital loan advisory service helps businesses secure the right financing for their operational needs. We guide you through loan options, documentation, and approval processes to ensure a hassle-free experience.

Why does my business need a working capital loan?

Working capital loans provide the necessary funds to manage day-to-day operations, such as paying suppliers, meeting payroll, and handling unexpected expenses, without disrupting your cash flow.

What types of businesses can benefit from a working capital loan?

Any business facing cash flow challenges can benefit from a working capital loan. This includes small businesses, startups, manufacturing firms, retailers, and service providers.

Somnath Sarkar is a renowned Loan Expert and has helped more than 1,000 customers secure their dream homes by providing expert guidance on home loans, ensuring a smooth and stress-free experience for each individual.