Get a Working Capital Loan With Minimal Paperwork
Every business needs regular access to a sustainable credit facility to manage its day-to-day operations. Get instant funds to purchase raw materials, meet your working capital needs, purchase inventory, etc., with a working capital loan from Poonawalla Fincorp. Avail of this collateral-free loan of up to ₹75 Lakh with instant disbursal. Enjoy attractive interest rates, no hidden charges, flexible EMIs and quick approval. Apply now!
Working Capital Loan EMI Calculator
Use our online EMI calculator to know your monthly payments. Slide the bar to enter the loan amount, interest rate and tenure to calculate your EMIs instantly. Try now!
Why Choose Poonawalla Fincorp
Apply for a Business Loan Online in Just 3 Steps
Click on "Apply Now”
Tap the "Apply Now" button to initiate your application.
Enter Details
Enter your DOB, PAN card number, monthly income, and residential details.
Upload Documents
Upload the necessary documents for quicker approval.
On successful verification, the loan amount will be disbursed into your bank account instantly.
Fulfil our simple eligibility criteria to avail of the loan:
- Age Limit: 24 to 65 years.
- Nationality: Indian citizen.
- Business Vintage: Minimum 2 years.
- Annual Turnover: At least ₹6 Lakh.
Submit just a few documents:
- KYC Documents
- Business Address Proof
- Financial Documents
Click to know more about documentation in detail.
Avail of our Business Loan for working capital at competitive interest rates and nominal charges:
After 6 EMIs: 5% on principal outstanding + taxes
Default Charges: Penalty will be charged for nonpayment of EMI amount and for non-compliance of material terms and conditions, as more particularly specified at Default Charges.pdf
*T&C Apply
- Upgrading existing facilities
- Hiring workforce
- Paying salaries to staff
- Procuring raw materials
- Purchasing machinery and equipment
- MSMEs
- Sole Proprietors
- Owner of Retail Shops
- Women Entrepreneurs
- Small Business Owners
- Finalise your working capital requirements
- Check your credit score
- Keep the loan documents handy
- Avoid multiple loan applications
Happy Customers, Happy Us
I run a chain of pharmacy stores with 5 branches in Pune. With the growing popularity of home delivery, my customers were expecting the same from me as well. However, the extra capital requirement made it difficult for me to hire delivery persons. With Poonawalla Fincorp’s Business loan, I am now able to compete with online pharmacy retailers, manage working capital and upgrade my system. My customers have grown 50-60%. The loan application process is digital, simple and speedy. I was delighted to get my loan amount disbursed quickly, allowing me to upgrade my operation seamlessly.
Business Loan
The interest rates were fair and competitive, making it easy to manage cash flow for me. The process was smooth with the service and giving a rating of 10.
Business Loan
I was hesitant at first, but the team explained everything clearly and made me feel confident. The loan helped me manage working capital and grow my business steadily.
Business Loan
I was impressed by how quickly my business loan was processed. The team was extremely helpful and guided me through every step. Thanks to their support, I was able to expand my operations without any hasstle.
Business Loan
The loan process was incredibly smooth, and the team was always available to answer my queries. With the funds, I was able to renovate my store and attract more customers. Truly grateful.
Business Loan
Getting a business loan felt daunting at first, but the entire experience was smooth and transparent. The loan helped me purchase new equipment and increase production. Highly recommend their services!
Business Loan
Excellent service and prompt communication. The loan process was seamless, and the funds were disbursed faster than expected. It’s great to work with professionals who understand business needs.
Business Loan
I needed quick funding to stock up for the festive season, and the business loan came just in time. The Credit Manager was proactive and ensured everything was done on priority. Excellent service!
Business Loan
Thanks to the business loan, I was able to open a second outlet. The team was very supportive and explained all terms clearly. I appreciate the personalized attention I received.
Business Loan
I’ve taken loans before, but this was by far the most professional experience. The documentation was minimal, and the disbursement was fast. I’ll definitely recommend them to fellow entrepreneurs.
Business Loan
The loan helped me bridge a critical cash flow gap during the festive season. The team was approachable and ensured everything was handled efficiently. Great experience!
Business Loan
The business loan helped me hire skilled staff and improved my business. The support from the credit team was outstanding. They understood my business and offered the right solution.
Business Loan
I am very happy with the service of the company and will recommend everyone to take loan from Poonawalla Fincorp.
Business Loan
The loan process was quick and transparent. No hidden charges, and the team guided me at every step. Will recommend everyone.
Business Loan
They didn’t just give me a loan—they gave me peace of mind during a tough time, Happy with the service of Poonawalla Fincorp.
Business Loan
No hidden charges, no surprises. The process was clear and smooth from start to finish.
Business Loan
The team guided me at every step and made the entire experience stress-free, will highly recommend to my friends - rating 10!!!
Business Loan
They tailored the loan to fit my business model. Truly customer-focused and satisfying service given by Poonawalla Fincorp, Highly Recommended!!!
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Frequently Asked Questions
Getting a working capital loan can help you cover your short-term expenses when your business does not have enough cash flow to cover the operational costs.
The lowest EMI for Poonawalla Fincorp’s Business Loan for working capital starts from ₹2,783* for a loan amount of ₹1 Lakh, interest rate of 15%* p.a. and a loan tenure of 48 months.
Yes, making on-time repayments for your working capital loan will help improve your credit score. On the other hand, if you miss your EMI payments or default on the loan entirely, it will have a negative impact on your credit score.
Simple Eligibility