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Boost Your Business Growth with Flexible Working Capital Loans

Get the Funds You Need to Manage Daily Operations, Expand, and Thrive—Fast Approvals, Tailored Solutions, and Hassle-Free Processing.

Working capital loan

What Is a Working Capital Loan?

A Simple Solution to Manage Your Business’s Everyday Financial Needs.
A Working Capital Loan is a short-term financing option designed to help businesses meet their everyday operational needs, such as payroll, inventory purchases, rent, and other expenses. It’s the perfect solution to bridge cash flow gaps and ensure your business runs smoothly.

Payroll Management

Secure timely salary payments, even during cash flow challenges.

Seasonal Expenses

Handle increased expenses during peak business seasons.

Inventory Purchases

Stock up on raw materials or finished goods to meet demand.

Emergency Funds

Address unexpected expenses without disrupting operations.

Rent and Utilities

Cover fixed costs like office rent, electricity, and internet bills.

Business Expansion

Fund short-term growth like new branches or marketing campaigns.

Ready to Streamline Your Business Operations?

Apply for a Working Capital Loan Today and Keep Your Business Running Smoothly.

Types of Working Capital Loan Products

Explore a Wide Range of Loan Products Tailored to Your Business Needs.
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Fund-Based Loan Products

A fund-based working capital loan provides direct financing to businesses by disbursing actual funds into their accounts. These loans are used to manage day-to-day operational expenses, such as purchasing inventory, paying salaries, or covering utility costs.
  1. Cash Credit/Overdraft
    Short-term liquidity to cover daily operational expenses, ensuring smooth cash flow.

  2. Packing Credit
    Specialized funding for export businesses to handle production and shipping costs.

  3. Bill Discounting
    Immediate cash against unpaid invoices to manage operational costs effectively.

  4. Supply Chain Funding
    Streamlined financing to facilitate the trading of goods and services seamlessly.
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Non-Fund Based Products

A non-fund-based working capital loan does not involve direct disbursement of funds. Instead, it provides financial guarantees or assurances on behalf of the borrower to facilitate trade or secure contracts.
  1. Letter of Credit (LC)
    Facilitates secure transactions by ensuring timely payments to suppliers.

  2. Bank Guarantee (BG)
    Assures commitment in business contracts, offering security to stakeholders.

  3. Buyers Credit
    Short-term credit for import/export transactions to reduce financial burden.

Not Sure Which Loan Product is Right for You?

Contact Lendlease Today for Expert Guidance on Tailored Financial Solutions.

Benefits of Working Capital Loans

Empowering Businesses with the Liquidity They Need to Thrive and Grow.

Smooth Daily Operations

Bridge cash flow gaps and ensure uninterrupted day-to-day operations.

Scalable Financing

Adapt loan amounts to match your business's changing financial needs.
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Preserve Liquidity

Access funds without depleting your reserves or fixed deposits.

Collateral-Free Options

Secure funding without pledging assets, ideal for new businesses.
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Quick Access to Funds

Fast approval and disbursement to meet urgent financial requirements.
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Support Business Growth

Invest in expansion, marketing, hiring, or other growth opportunities.
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Better Supplier Relationships

Make timely payments to suppliers, fostering trust & long-term partnerships.
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Manage Seasonal Fluctuations

Handle peak season demands or slow periods with ease.

Ready to Experience the Benefits of Working Capital Loans?

Contact Lendlease Today to Get Tailored Financial Solutions for Your Business.

How Does the Loan Process Work?

Simple, Transparent, and Tailored to Your Business Needs.
01. contact icon

Reach Out to Us

Contact us via phone, email, or our online form to share your financial needs and goals.

02. document submission icon

Document Submission

Provide necessary financial documents, including balance sheets, bank statements, and KYC details.

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Loan Evaluation

Our experts assess your application, business creditworthiness, and collateral (if applicable).

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Approval and Offer

Receive approval and a tailored loan offer that matches your requirements.

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Flexible Repayment

Repay the loan in easy installments designed to align with your cash flow.

Start Your Loan Application Today

Get the Working Capital Your Business Needs in Just a Few Steps.

Industries That Benefit with Working Capital Loans

Tailored Solutions for Businesses Across Sectors to Unlock Growth and Efficiency.

Manufacturing

Finance raw materials, production cycles, and operational costs seamlessly.

Export/Import Businesses

Export/Import Businesses

Bridge cash flow gaps to handle production and shipping costs efficiently.

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Healthcare & Pharmaceuticals

Cover operational expenses for hospitals, clinics, or medical suppliers.

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Retail & E-Commerce

Manage inventory purchases and seasonal demand fluctuations efficiently.

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Textile & Apparel

Finance production cycles, manage export orders, and handle seasonal demand.

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IT & Technology Services

Support software development, project-based contracts, and operational expenses.

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Transportation & Logistics

Fund fleet maintenance, fuel costs, and supply chain operations.

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Food & Beverage

Maintain supply chains and manage operational costs during high-demand periods.

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Hospitality & Tourism

Finance operations during off-seasons or invest in upgrades for peak seasons.

Not Sure If Your Business Qualifies?

Our Experts Can Tailor Working Capital Solutions for Any Business Sector.

Why Choose Lendlease Over Approaching Banks Directly?

Tailored Solutions, Transparent Processes, and Proven Expertise You Can Count On. Our Unique Approach Saves Time, Reduces Hassle, and Secures the Best Financing Options for Your Business.
Lendlease team with client

What It Means:
1. Lendlease consolidates multiple financing options, saving you the time and effort of approaching multiple banks or institutions.

2. Access to a diverse range of funding sources, including banks, NBFCs, and private lenders.

Benefit:
1. Tailored solutions that precisely match your requirements, ensuring optimal cost and terms.

What It Means:
1. As former bankers, our team understands both sides of the equation—the lending institutions and the borrowing entities.

2. We anticipate challenges, speak the bank’s language, and position your application for maximum approval potential.

Benefit:
1. Higher success rate in securing funds, often at better rates and terms than if approached independently.

What It Means:
1. We don't just secure funds; we guide you on the best sources available in the market, considering cost, flexibility, and suitability.

2. Advice on various instruments like term loans, working capital loans, equipment leasing, bill discounting, and more.

Benefit:
1. Empowered decision-making, helping you choose the financing option that aligns with your business strategy.

What It Means:
1. We pre-evaluate your proposal internally, using our financial expertise to identify the right product and lender.

2. We ensure the proposal is well-structured, highlighting your strengths to appeal to lenders.

Benefit:
1. Reduces the risk of rejection, ensures efficient use of time, and secures the best financing partner for your needs.

What It Means:
1. We handle all aspects of the application process—documentation, submission, and follow-ups—minimizing your effort.

2. Our established relationships with financial institutions help us cut through red tape.

Benefit:
1. Faster approvals, reduced administrative burdens, and peace of mind.

What It Means:
1. We take the time to understand your business goals, challenges, and financial health.

2. Tailor-made solutions that go beyond one-size-fits-all banking products.

Benefit:
1. Financing that aligns perfectly with your business objectives.

What It Means:
1. Leverage our deep market knowledge and relationships to negotiate favorable terms.

2. Benefit from reduced interest rates, flexible repayment options, and better loan structures.

Benefit:
1. Save money while gaining financial flexibility.

What It Means:
1. Clear communication throughout the process, with no hidden fees or surprises.

2. Post-funding support to ensure smooth repayment and explore future opportunities.

Benefit:
1. Long-term partnership and trust.

Let Us Handle the Complexity While You Focus on Growth

Trusted by Businesses Across Industries

Our expertise has helped businesses of all sizes and sectors secure the financing they need to grow. Here are just a few of the companies we’ve had the privilege to partner with.
Lyrus Lifesciences Pvt Ltd
BCITS Pvt Ltd
Amrut Distilleries Pvt Ltd
Shekar Logistics Pvt Ltd

Join the Growing List of Businesses Who Trust Lendlease

Let us help your business achieve its financial goals with expert guidance and tailored solutions.

Frequently Asked Questions About Working Capital Loans

Find Answers to Common Questions and Discover How We Can Help Your Business Thrive.

What is a working capital loan?

A working capital loan is short-term financing designed to help businesses cover daily operational expenses like payroll, inventory, and utilities.

Who is eligible for a working capital loan?

Businesses with consistent revenue, good credit history, and operational stability are typically eligible. Specific criteria may vary based on the lender.

What is the maximum loan amount I can apply for?

Loan amounts typically range from INR 10 Lakhs to INR 10 Crores, depending on your business’s financial health and collateral.

Can I get a loan without collateral?

Yes, collateral-free options are available for eligible businesses, including first-generation entrepreneurs through government schemes.

What documents are required for the application?

Common documents include business financial statements, bank statements, KYC details, GST filings, and proof of business ownership.

How long does it take to get approval?

With Lendlease, indicative approval typically takes 3-5 business days after the submission of all required documents.

Can I repay the loan early?

Yes, most loans allow early repayment, though prepayment charges may apply depending on the terms.

What is the interest rate for a working capital loan?

Interest rates vary based on your business profile and loan type, but Lendlease offers competitive rates to suit your needs.

How do I apply for a working capital loan?

Simply fill out our online application form or contact our team for assistance.

What happens if I miss a repayment?

Missed repayments may incur penalties or affect your credit score. Contact us immediately to discuss flexible repayment options.

Still Have Questions About Working Capital Loans?

Our Experts Are Here to Help. Contact Us for Personalized Assistance.

Book a Free Consultation

Leadlease Consultants

# S-813, 8th Floor, South Block
Manipal Centre, 47 Dickenson Road, Bangalore-560042
Disclaimer: Lendlease acts as a consultant and credit broker, assisting businesses in securing financing through banks and financial institutions. We do not provide financing directly; all approvals are subject to the discretion of the lending banks. Our role is to streamline the process, allowing businesses to focus on growth. A fee is charged for our consultation and facilitation services.
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