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    Working Capital Loan

    Keep your business running smoothly with LoanSeva’s Working Capital Loan, designed to help you manage everyday operational expenses without financial strain. Whether it’s maintaining inventory, paying salaries, purchasing raw materials, or meeting short-term cash flow gaps, this loan provides the liquidity your business needs to thrive.

    At LoanSeva, we understand that timely funds are crucial for growth. That’s why we offer fast approvals, flexible repayment options, and competitive interest rates. Our working capital loans are ideal for small, medium, and large businesses across industries. You can choose from various forms of financing, including cash credit, overdraft, or short-term business loans, tailored to your unique needs.

    With minimal documentation and quick disbursal, LoanSeva ensures your business never slows down due to a lack of funds.

    Documents Required

    • ✅ PHOTOGRAPHS (2)
    • ✅ PAN CARD COPY
    • ✅ AADHAR CARD + PASSPORT
    • ✅ ADDRESS PROOF (IF RENTED, ALSO REQUIRED PERMANENT ADDRESS PROOF)
    • ✅ LAST 3 YEARS FORM-16, ITR WITH COMPUTATION OF INCOME (IF FILED)
    • ✅ LAST 1 YEAR BANK STATEMENT – SALARY ACCOUNT
    • ✅ LOAN SCHEDULE & SANCTION LETTER (IF RUNNING)
    • ✅ COMPLETE PROPERTY PAPERS WITH CHAIN & MAP + ATS
    • ✅ PROCESSING FEE CHEQUE IN FAVOUR OF BANK
    • ✅ LAST 3 MONTHS SALARY SLIP + APPOINTMENT LETTER
    • ✅ LAST 1 YEAR GST RETURN COPY
    • ✅ FIRM 3 YEARS ITR COMPUTATION, PROFIT & LOSS A/C, BALANCE SHEET, TAX AUDIT REPORT, ALL SCHEDULES & ANNEXURES
    • ✅ PROVISIONAL FINANCIAL AY 2019-20
    • ✅ BANK ACCOUNTS (CURRENT ACCOUNT, CC ACCOUNT, OD ACCOUNT LAST 1 YEAR UPDATED)
    • ✅ 6 MONTHS SAVING ACCOUNT STATEMENT UPDATED (PROPRIETOR)
    • ✅ IF RUNNING ANY LOAN, PLEASE PROVIDE SANCTION LETTER AND REPAYMENT SCHEDULE
    • ✅ AGREEMENT TO SELL COPY
    • ✅ PROPERTY PAPERS WITH CHAIN & SANCTION MAP
    • ✅ PHOTOGRAPH PARTNERS
    • ✅ PAN CARD – COMPANY, ALL PARTNERS
    • ✅ ADDRESS PROOF – ALL PARTNERS (PASSPORT, VOTER ID CARD, PAN, AADHAAR)
    • ✅ FIRM ADDRESS PROOF – LATEST ANY UTILITY BILL
    • ✅ PARTNERSHIP DEED COPY
    • ✅ GST CERTIFICATE
    • ✅ GST RETURN LAST 1 YEAR
    • ✅ 3 YEARS COMPANY ITR, COI, P/L A/C, BALANCE SHEET + AUDIT REPORT (3CB, 3CD), ALL ANNEXURES & SCHEDULES WITH C.A. CERTIFIED
    • ✅ PROVISIONAL FINANCIAL AY 2019-20
    • ✅ 3 YEARS ALL PARTNERS INDIVIDUAL ITR + COMPUTATION
    • ✅ FIRM ALL BANK ACCOUNT STATEMENTS (1 YEAR UPDATED)
    • ✅ ALL PARTNERS SAVING ACCOUNT STATEMENTS (6 MONTHS)
    • ✅ IF RUNNING ANY LOAN – LATEST SANCTION LETTER + TRACK RECORDS OR REPAYMENT SCHEDULE
    • ✅ AGREEMENT TO SELL COPY
    • ✅ PROPERTY PAPERS COMPLETE CHAIN WITH MAP
    • ✅ ALL DIRECTORS PHOTOGRAPH
    • ✅ CLEAR PAN CARD – COMPANY AND ALL DIRECTORS
    • ✅ ADDRESS PROOF – COMPANY AND DIRECTORS
    • ✅ LIST OF DIRECTORS & SHAREHOLDERS WITH CA CERTIFIED AS ON DATE
    • ✅ MEMORANDUM ORDER IN HAND AND COMPLETE COPY (IF APPLICABLE)
    • ✅ GST, SALE, VAT AND SSI REGISTRATION CERTIFICATE
    • ✅ 1 YEAR GST RETURNS
    • ✅ ALL DIRECTORS INDIVIDUAL ITR & COMPUTATION LAST 3 YEARS
    • ✅ LAST 3 YEARS COMPLETE FINANCIALS WITH TAX AUDIT REPORT AND ANNEXURES
    • ✅ COMPANY ALL BANK ACCOUNT STATEMENTS (1 YEAR UPDATED)
    • ✅ ALL DIRECTORS SAVING ACCOUNT STATEMENTS (6 MONTHS)

    Frequently Asked Questions

    A Working Capital Loan helps businesses cover day-to-day operational expenses like rent, wages, and inventory purchases.

    Any business with a stable financial record, including SMEs, startups, and self-employed professionals, can apply.

    Repayment terms are flexible and typically range from 6 months to 5 years, depending on the loan amount.

    Basic KYC, business proof, financial statements, and bank statements are generally needed.

    LoanSeva offers both secured and unsecured working capital loans based on your business profile.

    With LoanSeva’s streamlined process, loans are usually disbursed within 3 to 5 working days after approval.