Keep Your Business Moving
Fuel Daily Operations with Ease
Every business needs steady cash flow to keep operations running smoothly. Whether it’s managing inventory, paying suppliers, or covering short-term expenses, having adequate working capital is essential for stability and growth. At Nihal Finserv, we provide Working Capital Loans designed to help you bridge temporary fund gaps and maintain business momentum — without disturbing your long-term finances.
What is a Working Capital Loan?
A Working Capital Loan is a short-term business financing solution that helps you meet your company’s day-to-day operational expenses. It ensures that your business has the liquidity it needs to function efficiently — covering raw materials, wages, utilities, rent, or any short-term commitments — even when payments from customers are delayed.
At Nihal Finserv, we understand that timing is everything in business. Our flexible working capital funding options give you quick access to funds whenever you need them, ensuring uninterrupted operations.
Documents Required
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Business registration proof / GST certificate
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Bank statements (last 6–12 months)
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Income tax returns / financial statements
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KYC documents of promoters / directors
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Sales or purchase invoices (if applicable)
(Additional documents may be requested based on business profile.)
Key Features of Working Capital Loans
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Loan Amount: Depends on your business turnover and financial profile (up to ₹5 Cr or more).
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Tenure: Typically 12 to 60 months, with flexible repayment options.
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Interest Rates: Competitive and linked to your business performance & credit profile.
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Collateral: Secured or unsecured based on requirement and eligibility.
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Processing Time: Quick approvals with minimal paperwork.
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Usage Flexibility: Use funds for any legitimate working capital purpose — salaries, raw materials, vendor payments, etc
How It Works
When Should You Opt for a Working Capital Loan?
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When there’s a seasonal demand surge and you need to stock up inventory.
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To bridge cash flow gaps caused by delayed payments from clients.
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To cover operational expenses during slow business cycles.
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To manage new orders or contracts without straining reserves.
A Working Capital Loan from Nihal Finserv ensures your business never misses an opportunity due to lack of liquidity.
Key Features at a Glance
Loan Amounts
Depends on your business turnover and financial profile (up to ₹5 Cr or more).
Repayment Tenure
Typically 12 to 60 months, with flexible repayment options.
Competitive Interest Rates
Competitive and linked to your business performance & credit profile.
Collateral
Secured or unsecured based on requirement and eligibility.
Processing Time
At Nihal Finserv, your loans will have Quick approvals with minimal paperwork.
Usage Flexibility
Use funds for any legitimate working capital purpose
Why Choose Nihal Finserv for Your Personal Loan?
Eligibility Criteria
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Businesses operating for at least 1 year with consistent revenue.
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Valid registration (Proprietorship, Partnership, LLP, Pvt Ltd Co.).
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Positive banking and credit history.
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Minimum turnover as per product category.
Our team at Nihal Finserv evaluates your business strength and tailors a loan plan that fits your operational needs.
Quick Access to Funds
Fast processing & minimal documentation to keep your operations running without delay.
Customised Loan Structures
At Nihal Finserv, Tailored repayment plans and limits that suit your business cash flow cycle.
Collateral-Free Options
Depending on eligibility, avail unsecured working capital loans without pledging assets.
Transparent Processing
At Nihal Finserv, No hidden charges, with full clarity at every step.
Relationship Support
Get expert financial guidance from our experienced professionals.
For All Business Sizes
Ideal for SMEs, traders, manufacturers, and service providers.