Working Capital Loans to Boost Cash Flow
passive assets, such as residential, commercial, or industrial property,
to get a highly competitive Working capital loan.
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Business Loan offerings by Piramal Finance
Key Features
Loan amount
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Loan tenure up to
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Interest rates starting at
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Click for detailed fees & charges *Terms & Conditions apply.
Who Can Apply?
The eligibility criteria mainly depends on your employment. Calculate the EMI & check your eligibility.
Documents Required
For a Business Loan we require certain documents based on profession / occupation of applicant.
Whatsapp me this document list
KYC Documents
Proof of Identity & Address
Income Documents
Proof of Income
- ITR for the previous two years, with computation
- CA audited financials wherever applicable
- 6 months primary bank statement
Co-applicants
- Co-applicant is mandatory. Additionally, Woman co-applicant is mandatory in certain cases
- Co-applicant can be spouse or any first blood relative like parents, siblings, children who hav attained age of maturity (s.t income-ownership grid)
- All co-owners of property should be on loan structure
- Friends cannot be co-applicants (allowed only if they are coming in the capacity of Partners / Directors / Shareholder)
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Our Happy Customers
I was very much delighted with the way the loan was disbursed. I would like to also thank for the quickest response by Piramal Finance executive. The loan was disbursed in a week’s time in a hassle free manner.
CH Maruthi Prasad
VT Engineering, Indore
Appreciate the efforts of Piramal Finance for quick and smooth processing of my Loan Against Property. Piramal Finance team understood my requirements and explained the process, product details and required document list. Piramal Finance was helpful in every step and gave me quick loan sanction. Thank you Piramal Finance.
Dileep S
Peenya
I have availed Loan From Piramal Finance for Business Expansion. I was attended with utmost professional attitude and perfection. Piramal Finance very patiently answered all my queries and resolved all doubts. Once again, thanks a lot for serving my needs with such warmth.
Mohd Irshad Ansari
VT Engineering, Indore
We are in the business of financial planning but the day I finalized my property, I needed to get a loan I found Piramal Finance to be the best option. They cater to all the requirements of their customers and helped me at every single step to get a business loan.
Nirmal Dand
Financial Planner
I and my family were planning on buying a new home for which we needed a loan and I chose Piramal Finance. From collecting documents to guiding me at every step, Piramal Finance has been a strong support system through the process.
Uday Biradar
Software Director
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Perks of Working Capital Secured Business Loan
Short Loan Tenure
The typical repayment period for any working capital business loan ranges between 9 - 12 months. Thus, it makes the loan tenure relatively short.
You won’t have to worry about long-term EMIs when seeking this type of loan. If you’re a new business, we will be glad to provide a short-term loan at an attractive interest rate.
Assists In Lean Periods
Do you run a seasonal business? If so, you may encounter high sales only during the peak season.But when it comes down to the annual revenue, you will face many difficulties, risks, and problems. In that case, our working capital loan will come in handy.
More Business Loan Products
Loan Against Property
If you are a growing business and often face cash flow issues, you can use our Loan Against Property to resolve these Issues
Loan up to
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Loan tenure up to
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Working Capital Secured Business Loan
Don't let the lack of funds come in the way of business success. Leverage your passive assets such as residential
Loan up to
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Loan tenure up to
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Types of Business Loan
Short Term Loans
Short term loan offers you access to a relatively small amount of capital for a brief period, making them ideal for addressing immediate financial needs with quicker repayment schedules.
Term Loan
Term loan provides a fixed amount of money, repaid over a specified period through regular installments. It is commonly used for business expansion or capital investments.
Startup Business Loans
The loan provides funding to new and emerging companies, helping them cover initial expenses, invest in growth, and establish their presence in the market.
Franchise Finance
Franchise finance is a specialised funding option tailored to entrepreneurs looking to invest in or expand a franchise business.
Supply Chain Finance
Supply Chain Finance ensures smooth operations and reduces working capital constraints, benefiting buyers and suppliers.
Shop Loan
Shop loan is designed to assist retail shops in managing expenses, restocking inventory, or making necessary upgrades to the storefronts.
Business Loan for Traders
It provides traders and merchants with capital to purchase inventory, manage cash flow, or expand the trade operations, facilitating growth and stability in the trading business.
Inventory Financing
It helps businesses purchase or manage the inventory. It provides capital to acquire goods for sale, maintain stock levels, and meet customer demand.
Loan for Restaurant
Restaurant loan provides funding for your various restaurant-related expenses, such as opening a new establishment, purchasing equipment, or covering working capital needs.
Medical Equipment Loan
Medical equipment loan helps healthcare providers and organisations to acquire essential medical devices and equipment without a substantial upfront cost.
Machinery Loan
Machinery loan provides capital for the purchase, repair, or upgrade of machinery and equipment, enabling businesses to enhance productivity and efficiency in the operations.
Hotel Loan
Hotel loan assists entrepreneurs and investors in the hospitality industry with funding for hotel acquisitions, renovations, expansions, or new construction.
Business Loan for Doctors
It provides medical practitioners with capital to expand the practices, invest in equipment, hire staff, or cover operational expenses to enhance patient care.
Self-employed Loan
It offers financial assistance to independent entrepreneurs and freelancers, enabling them to invest in the businesses, cover expenses, or seize growth.
MSME Loan / SME Loan
Micro, Small & Medium Enterprises loan is designed to provide small and medium size businesses with the necessary capital for growth and expansion.
Manufacturers Loan
It helps manufacturers enhance operations & competition by upgrading machinery, expanding production capacity or managing working capital
Frequently asked questions
What is the tenure of a working capital loan?
By opting for a working capital loan from Piramal Finance, you can guarantee the smooth running of your business.
Our secured business loans for your working capital will let you incorporate the investment you want to spend on your business and assist you in meeting huge financial obligations and demands during the peak season.
Here’s an overview of why you must opt for working capital from us:
- To pay your emergency expenditures.
- To meet your short-term financial requirements.
- To pay your overhead expenses, including office electricity bill, rent, payroll expenses, etc.
- To expand or revamp your business infrastructure.
- To ensure a seamless and healthy cash flow.
You can apply for the working capital loan and get the funds disbursed into your account from the convenience of your office/home. Here are the steps on how to proceed:
- Go to our application form and fill out the details.
- Submit all your Income and KYC documents.
- Wait till the application gets processed for verification.
- If everything meets the eligibility criteria, your loan will be approved within a few minutes.
- Subsequently, the loan amount gets disbursed and credited to your bank account.