Stock khatam, supplier bill aagaya, salary deni hai — aur bank account toh baad mein bhar jaayega. Yahi working capital problem hai. Iska solution hai Working Capital Loan.
Working Capital Loan Ka Matlab
Working capital loan woh loan hai jo aapke daily business operations ke kharche chalane ke liye liya jaata hai — stock kharidna, employees ko pay karna, raw material lana, orders fulfill karna.
Yeh long-term expansion ke liye nahi hota — yeh aapke cash flow ka gap fill karta hai.
Kab Lena Chahiye?
- Seasonal business hai aur off-season mein cash flow tight hai
- Ek bada order aaya hai par raw material ke liye cash nahi hai
- Client ne payment delay ki hai par aapke supplier ka payment due hai
- Festival season mein advance stock lena hai
- Business fast grow kar raha hai aur daily kharch badh gaye hain
Kitne Prakar Ka Working Capital Loan Hota Hai?
| 4 Main Types: Cash Credit (CC): Bank ek limit set karta hai — jitna chahiye use karo, sirf use par interest lagta hai Overdraft (OD): Current account se zyada nikalna — limit ke andar Short-term Loan: Ek fixed amount leke 6–24 mahine mein chukao Invoice Financing: Pending invoices ke against advance — B2B businesses ke liye best |
Term Loan vs Working Capital Loan
Term loan long-term investment ke liye hota hai — machinery, property, renovation. Working capital loan short-term operations ke liye. Dono ki zaroorat alag hai — ek doosre ki jagah nahi le sakta.
Eligibility Kya Hoti Hai?
- Business active ho — bank transactions regular hon
- GST filing ya business registration
- Bank statement se cash flow prove ho sake
- CIBIL score reasonable ho — 650+ better
ProWiderKart se connect karo — apni business situation batao, hum sahi working capital option suggest karenge aur process mein haath thamenge.
| 📲 Working Capital Ki Zaroorat Hai? Abhi WhatsApp Karo! ProWiderKart se connect karo — hum aapko simple tarike se guide karenge, documents se lekar final step tak — sab kuch jaldi ho jaayega. 📞 9833216954 | 📧 info@prowiderkart.com |