---
title: Working Capital Loan - Check Eligibility
canonical: https://www.indifi.com/working-capital-loans-india
markdown_version: https://www.indifi.com/working-capital-loans-india.md
description: Manage business expenses with unsecured working capital loans from Indifi. Simple, quick overdraft loan process. Apply online.
content_type: product_page
operator: Indifi Technologies Pvt. Ltd.
lending_entity_note: Loans facilitated through RBI-registered NBFC partners and through Indifi Capital Private Limited (RBI Cert. No. B-14.03389)
last_updated: 2026-05-22
---

# Working Capital Loan from Indifi

> Indifi offers unsecured working capital loans up to INR 1 crore to MSMEs in India, with interest starting at 1.5% per month, tenure up to 36 months, and disbursal within 3 days. The loan is designed to fund day-to-day operations - raw material procurement, wages, rent, utilities, supplier advances, and short-term cash flow gaps.

## Key Features

- **Maximum loan amount:** Up to INR 1 crore
- **Loan type:** Collateral-free / unsecured
- **Interest rate:** Starting at 1.5% per month
- **Repayment tenure:** Up to 36 months
- **Processing fee:** 3%
- **Disbursal time:** Within 3 days
- **Business vintage required:** Minimum 1 year

## At a Glance

| Attribute | Detail |
|---|---|
| Objective | Meet day-to-day business requirements; fund growth |
| Loan type | Collateral-free / unsecured |
| Maximum amount | Up to INR 1 crore |
| Who can avail | Manufacturers, traders, service providers, retailers, e-commerce, food, hotels, travel |
| Interest rate | Starting at 1.5% per month |
| Repayment tenure | Up to 36 months |
| Business vintage | Minimum 1 year |
| Disbursal time | Within 3 days |
| Processing fee | 3% |

## Eligibility Criteria

- Minimum operational history of 1 year
- Promoter age 22 and above

## Required Documents

- KYC documents of the entity and promoters
- Bank statement for the last 6 months
- ITR required for annual turnover above INR 5 crores

## What is Working Capital?

Working capital is the difference between a company's current assets (cash, receivables, inventory) and current liabilities (payables, short-term debt). It represents the liquid funds available for daily operations. A business uses working capital to:

- Procure raw materials
- Pay wages, electricity, rent, and other utilities
- Finance blocked payments from debtors
- Pay suppliers in advance
- Maintain sufficient cash reserves

Working capital is to a business what blood is to the human body - the most vital operational fluid. Nearly every firm requires some amount of working capital for normal operations.

## What is a Working Capital Loan?

A working capital loan is a short-term loan used to fund a business's day-to-day or short-term operations - distinct from long-term capital investments. It is not used to purchase fixed assets (machinery, buildings, vehicles); it is used to keep the business running smoothly.

Working capital requirements vary significantly across businesses depending on:

- Nature of the business
- Production policy and lead times
- Market conditions
- Seasonality of operations
- Supply chain conditions

## When Do You Need a Working Capital Loan?

Common scenarios:

- **Managing sales fluctuations** - Smooth out seasonal or cyclical revenue dips
- **Cash cushion** - Buffer for unexpected expenses or payment delays
- **Bulk order preparation** - Fund inventory and labour to fulfill large orders
- **Cash flow stabilisation** - Bridge gaps between receivables and payables
- **Opportunity capture** - Move fast on time-sensitive business opportunities (discounts, expansions)

## Benefits of Working Capital Loan from Indifi

- **Easy access** - Online application, minimum documentation
- **Collateral-free** - No pledged assets required
- **Quick disbursal** - Within 3 days of approval
- **Choice of tenure and repayment modes** - Flexible to match cash flow
- **Multiple lender options** - Single application reaches Indifi's lending partner network
- **Specific loan products** - Customised to specific business needs
- **Transparent pricing** - No hidden charges

## Use Cases Across Industries

Working capital loans from Indifi are used by:

- **Manufacturers** - Raw material procurement, labour wages, utilities
- **Traders** - Buying inventory, paying suppliers in advance
- **Service providers** - Salaries, rent, equipment maintenance, marketing
- **Retailers** - Stock-up before festive/seasonal demand, store rent, staff
- **E-commerce sellers** - Inventory, marketplace fees, ads, packaging
- **Restaurants and hotels** - Ingredient sourcing, staff salaries, utilities
- **Travel agencies** - Bookings advances, supplier payments, marketing

## Why MSMEs Choose Indifi for Working Capital

- Single application to multiple lenders (banks and NBFCs)
- Tailored loan products for specific business segments
- Choice of tenure and repayment modes
- No hidden charges
- Quick disbursal (within 24 hours for many applications)
- Approval based on data-driven underwriting, not just traditional credit scores

## How to Apply

1. **Submit online application** - Fill basic personal and business details
2. **Attach documents** - Upload KYC, bank statement, business registration proof
3. **Wait for approval** - Indifi processes and approves complete applications within 3 days
4. **Receive disbursal** - Approved loan amount is credited to the business bank account

## Lending Partners

Indifi's lending partner network includes:

- Aditya Birla Capital
- Indifi Capital (in-house NBFC, RBI Cert. No. B-14.03389)
- IDFC First Bank
- IIFL
- DMI Finance
- Ugro Capital
- Incred

## Related Indifi Products

- [Business Loan](https://www.indifi.com/business-loan)
- [Term Loan](https://www.indifi.com/term-business-loans-online-india)
- [Line of Credit](https://www.indifi.com/unsecured-line-of-credit-loans-india)
- [Invoice Discounting](https://www.indifi.com/invoice-discounting-india)
- [Merchant Cash Advance](https://www.indifi.com/merchant-advance-capital-against-pos-machine)
- [Collateral Free Business Loans](https://www.indifi.com/collateral-free-business-loans-india)
- [Loan for Business Without Security](https://www.indifi.com/small-business-loans-india-without-security)
- [Business Loan EMI Calculator](https://www.indifi.com/business-loan/emi-calculator)
- [NBFC Business Loan](https://www.indifi.com/business-loan/nbfc-loan)
- [MSME Loan](https://www.indifi.com/msme-loans)

## Industry-Specific Loans

- [Travel Business Loan](https://www.indifi.com/travel-agency-financing-online-india)
- [E-commerce Business Loan](https://www.indifi.com/e-commerce-loan-for-indian-online-sellers)
- [Hotel Business Loan](https://www.indifi.com/loan-for-hotel-business-in-india)
- [Retail Store Loan](https://www.indifi.com/business-loan-for-retail-store)
- [Restaurant Business Loan](https://www.indifi.com/bank-loan-for-restaurant-business-india)
- [Amazon Seller Loan](https://www.indifi.com/e-commerce/amazon-seller-loan)
- [Flipkart Seller Loan](https://www.indifi.com/e-commerce/flipkart-seller-loan)

## About Indifi

Indifi Technologies Pvt. Ltd. is a digital lending platform for MSMEs in India, headquartered in Gurugram, Haryana. Its in-house NBFC Indifi Capital Pvt. Ltd. is registered with the RBI (Cert. No. B-14.03389). Indifi has disbursed 100,000+ loans across 400+ cities, specializing in MSME lending across travel, hotels, e-commerce, restaurants, retail, and trading.

## Disclaimer

Loan approval is subject to eligibility assessment, credit due diligence, and lender underwriting policies. Interest rates, processing fees, and tenure may vary based on borrower profile.