🏦 RBI Registered DSA Agent | Serving Andhra Pradesh & Telangana
📞 +91 97053 17513 💬 WhatsApp Us
Working Capital Loan · AP & Telangana

Working Capital Loan
Up to ₹2 Crores.
Approved in 24–48 Hours.

Business day-to-day operations ki — inventory purchase, supplier payments, salary disbursal, seasonal cash flow gaps — anything ki funds. Manufacturers, traders, service providers andariki suitable schemes. Quick approval, minimal documentation.

  • Interest rates starting from 10.5% p.a.
  • Loan amount ₹2 Lakhs – ₹2 Crores
  • Tenure up to 12–36 months (renewable)
  • Overdraft, cash credit & term loan options
  • Zero hidden charges — we guide you for free
₹35Cr+
WC Loans Done
450+
Businesses Funded
24hr
Avg Approval
20+
Bank/NBFC Options

⚡ Quick Apply — Working Capital Loan

🔒 Safe & secure. Agent calls within 30 mins.

The smartest way to get a Working Capital Loan in AP & TG

Business owners deserve the best funding deal — manam 20+ banks & NBFCs tho compare chesi best match istamu, ee running around levvi.

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20+ Bank & NBFC Options

SBI, HDFC, ICICI, PNB, Bajaj Finserv — we compare all working capital products to find your best match.

24–48 Hour Approval

With clear business financials, sanction can be done within 1–2 working days for most applicants.

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Lowest Rates — From 10.5%

We negotiate with multiple lenders to get you the best possible interest rate based on your business profile.

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100% Free Service

We never charge businesses a single rupee. Banks/NBFCs pay us commission — you get expert guidance at zero cost.

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Doorstep Service

No branch visits required. Agent collects documents from your office and handles everything on your behalf.

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Renewable Facility

Most working capital limits are renewed annually based on business performance — agent helps with renewals too.

Working Capital Loan — Key Details

Everything you need to know about working capital finance options across AP & Telangana.

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Loan Amount

Minimum to maximum range

₹2 Lakhs – ₹2 Crores
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Interest Rate

Based on business profile

10.5% – 16% p.a.
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Loan Tenure

Renewable facility period

12 – 36 Months
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Processing Time

From apply to disbursal

24 – 48 Hours
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Processing Fee

One-time fee charged by lender

0.5% – 2% of limit
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Collateral

Security requirement varies

Secured & Unsecured Options
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Facility Type

Flexible structures available

OD / CC / Term Loan
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Interest Charged On

For overdraft/cash credit limits

Utilised Amount Only

Who can apply for a Working Capital Loan?

Manufacturers, traders, retailers, and service providers can all qualify with stable business operations.

🏢 Business Eligibility Basics

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    Business Vintage

    Minimum 2–3 years of operations preferred

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    Annual Turnover

    Minimum ₹10 Lakhs annual turnover for most lenders

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    CIBIL / Credit Score

    680 or above preferred for promoter and business

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    GST & ITR Filing

    Regular GST returns & ITR filing strengthens application

💡 Seasonal businesses (agriculture-linked traders, festival-based retailers) get specially structured cash credit limits — agent will match the right scheme.

📋 Entity Types Eligible

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    Sole Proprietorship

    Individual-owned businesses with valid registration

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    Partnership Firms

    Registered partnership firms with partnership deed

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    Private Limited Companies

    Companies with audited financials and board resolution

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    LLPs & MSME-Registered Units

    Udyam-registered MSMEs get preferential schemes

💡 Udyam (MSME) registration significantly improves eligibility and unlocks government-backed schemes like CGTMSE. Agent will guide if you don't have one yet.

Keep these documents ready

Working capital loans require business financials along with standard KYC. We collect digitally or from your office.

🆔 Identity & Address Proof

  • Aadhaar Card (mandatory)
  • PAN Card — individual & business (mandatory)
  • Passport / Voter ID / Driving Licence
  • Registered office address proof

🏢 Business Registration Documents

  • Udyam / MSME registration certificate
  • GST registration certificate
  • Partnership deed / MOA-AOA (if applicable)
  • Shop & establishment licence

💰 Financial Documents

  • Last 12 months bank statement (current account)
  • Last 2–3 years ITR with audited financials
  • GST returns (last 12 months)
  • Existing loan / credit facility statements

📸 Photographs & Others

  • 2 recent passport-size photographs (promoters)
  • Signed application form
  • Stock & debtor statement (for CC limit)
  • Collateral documents (if opting for secured loan)

📱 Initial documents can be shared digitally via WhatsApp — agent visits your office for verification.

Which businesses qualify for Working Capital Loans?

Most operating businesses with regular cash flow needs across sectors are eligible.

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Manufacturing Units

Raw material purchase, production cycle funding, and inventory management for manufacturers.

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Trading & Distribution

Bulk purchase funding, stock holding, and supplier payment cycles for wholesalers and distributors.

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Retail Businesses

Inventory restocking, seasonal stock buildup, and day-to-day operational expenses for retailers.

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Service Providers

Salary disbursal, vendor payments, and operational costs for service-based businesses.

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Agri-Based Traders

Seasonal procurement funding for agricultural commodity traders and processors.

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Contractors & Builders

Project-based cash flow support for civil contractors and small construction businesses.

Get your Working Capital Loan in 5 easy steps

From enquiry to funds in your business account — DSA Loan Agent handles everything for you.

1

Apply Online or Call

Fill the form below or WhatsApp Agent. Share business type and funding requirement.

2

Free Eligibility Check

Agent checks your turnover, financials, and CIBIL — selects the best matching lender for you.

3

Document Collection

Upload documents on WhatsApp or Agent visits your office to collect. Completely hassle-free.

4

Lender Submission & Follow-Up

Agent submits to the right bank/NBFC and follows up daily until approval. You get WhatsApp updates.

5

Limit Sanctioned & Disbursed

Working capital limit activated or funds disbursed directly to your business account within 24–48 hours.

Why a Working Capital Loan is the right choice

Keep your business running smoothly without cash flow interruptions, even during seasonal slowdowns.

💰 Bridges Cash Flow Gaps

Cover the gap between paying suppliers and receiving customer payments without disrupting operations.

🔄 Pay Interest Only on Usage

With overdraft/cash credit limits, interest is charged only on the amount utilised, not the full sanctioned limit.

📈 Supports Business Growth

Take on larger orders and bulk purchase opportunities without worrying about immediate cash constraints.

🔁 Renewable Facility

Most working capital limits renew annually based on business performance — no need to reapply from scratch.

⚡ Fast Approval & Disbursal

Quick turnaround means funds are available exactly when your business cash flow needs them most.

🔓 Secured & Unsecured Options

Choose collateral-backed limits for lower rates, or unsecured options if you prefer not to pledge assets.

What can you expect on your Working Capital Loan?

Indicative figures based on business profile and facility type — agent gives you exact figures after eligibility check.

🏦 Cash Credit / Overdraft

  • Limit based on stock & receivables
  • Rate: 10.5% – 14% p.a. (on utilised amount)
  • Tenure: 12 months, renewable annually
  • Amount: ₹5L – ₹2 Crores

📄 Working Capital Term Loan

  • Fixed amount disbursed upfront
  • Rate: 11% – 15% p.a.
  • Tenure: 12 – 36 months
  • Amount: ₹2L – ₹1.5 Crores

🔓 Unsecured Business Line

  • No collateral required
  • Rate: 13% – 16% p.a.
  • Tenure: 12 – 24 months
  • Amount: ₹2L – ₹50 Lakhs

📊 Processing & Charges

  • Processing fee: 0.5% – 2% of sanctioned limit
  • Renewal charges apply annually
  • CGTMSE guarantee fee (if applicable)
  • Documentation & stamp duty charges

Frequently Asked Questions

Working capital loan lo common doubts — honest answers.

Loan amount mీ business turnover, stock, and receivables batti vary avutuundi — generally ₹2 Lakhs to ₹2 Crores varaku possible. Cash credit limits annual turnover meeda calculate avutaayi, term loans business need batti decide avutaayi. Agent exact eligibility check chesి best offer find chestadu.
Cash credit lo interest meeru utilise chesిన amount meeda matrame calculate avutundi, full sanctioned limit meeda kaadu. Example: ₹20 Lakhs limit unte, meeru ₹8 Lakhs use cheste, interest ₹8 Lakhs meeda matrame padutundi. Ide CC ki biggest advantage term loan kanna.
Avunu! Unsecured business lines available — kaani amount konchం takkuva (₹2L – ₹50L varaku) untundi, rate kuda konchం ekkuva. CGTMSE-backed schemes kuda unnaayi government support tho, ఇవి collateral లేకుండానే higher amounts ki కూడా apply avutaayi. Agent best option suggest chestadu.
Avunu! Agriculture-linked traders, festival-based retailers laanti seasonal businesses ki flexible cash credit limits unnaayi — peak season lo ekkuva utilization, off-season lo takkuva. Repayment kuda business cash flow ki match ayyేla structure cheyyochu. Agent full guidance istadu.
Mandatory కాదు, kaani Udyam registration unte eligibility significantly improve avutundi — better rates, higher limits, మరియు government-backed CGTMSE scheme access kuda దొరుకుతుంది. Registration లేనివాళ్ళకి agent dాని process chesి, తరువాత loan apply చేయడానికి help chestadu.
Avunu! Cash credit / OD limits annual renewal ki latest financials, GST returns, mariyu stock statement submit cheyyali. Good repayment track record unte renewal smooth gaa avutundi, చాలా సార్లు limit kuda penchutaru. Agent renewal process లో కూడా help chestadu.
Absolutely zero! Businesses ki memu emi charge cheyyadam ledu. Banks & NBFCs DSA agents ki commission pay chestaayi — meeru free gaa expert guidance teesukuntaaru, better rate tho loan vastaadi.
Konni lenders 1 year vintage unna businesses ki kuda consider chestaayi, especially strong financials & GST track record unte. 2-3 years vintage unte approval easier and rates better untaayi. Agent మీ vintage ki match aina lender select chestadu.

Real businesses, real working capital funding

★★★★★

Naa textile trading business ki festival season stock kosam ₹25 Lakhs cash credit kavali ayyindi. DSA Loan Agent SBI CC limit ki apply cheyyadaniki help chesadu — 11% rate lo 2 days lo limit active ayyindi. Excellent service!

MR
Murali Reddy
WC Loan ₹25L · Hyderabad
★★★★★

I run a small manufacturing unit and needed unsecured working capital without pledging assets. Agent found me a Bajaj Finserv business line at a reasonable rate, much faster than approaching the bank directly. Very knowledgeable.

AK
Anil Kumar
WC Loan ₹15L · Vijayawada
★★★★★

Supplier payments ki urgent gaa ₹10 Lakhs kavali ayyindi, bank branch lo process slow ga undi. DSA Loan Agent NBFC scheme suggest chesadu — 48 hours lo amount account lo undi. Chala thanks!

SD
Sunitha Devi
WC Loan ₹10L · Guntur

Ready to get your Working Capital Loan approved?

One call. Best rate. 24–48 hour disbursal. Completely free service across AP & Telangana.

📋 Apply Now — Free 💬 Chat on WhatsApp 📞 Call Agent Now

Let's get your Working Capital Loan approved

Fill the form and Agent will call you back within 30 minutes — compare 20+ lenders and get the best working capital deal for your business.

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Phone / WhatsApp

+91 97053 17513
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Working Hours

Mon – Sat: 9:00 AM – 7:00 PM

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Serving Area

Andhra Pradesh & Telangana

📋 Apply for Working Capital Loan — Free

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