Working Capital Loans

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Loans for Growth

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Working Capital Loans

Types of Working Capital Loans

Term Loans

Secure term loans with flexible repayment plans. Secure financing for business growth, capital expenses, and acquiring fixed assets.
Tailor repayment schedules to align with your cash flow.
Access services across all branch networks.

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Working Capital Loans

Working Capital for Contractors Access rapid, competitive financing for your contracting business.
Enjoy competitive interest rates on loans.
Use commercial/construction equipment as collateral for added security.
Expedite funds with faster processing and disbursal times.

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Working Capital Loan

Working Capital for Transporters

  • Obtain hassle-free loans for your transport business's immediate requirements.
    Benefit from competitive interest rates and swift processing.
    Access banking services anytime with internet and phone banking.
    Secure loans using commercial vehicles and real estate as collateral.
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Working Capital Loans

Turnover less than or equal to ₹7.5 crore

  • Access credit facilities starting from ₹10 lakh.
    Receive pre-approved Business Credit Cards for managing expenses.
    Select from a variety of collaterals such as property, shares, stocks, book debts, and gold.
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Working Capital Loans

Turnover greater than ₹7.5 crore Explore a variety of fund-based and non-fund based financing options.
Access affordable credit for short-term needs.
Tailor your repayment schedule to align with your cash flow.

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Working Capital Loans

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Improves Purchasing Power

  • Helps enhance a business’ purchasing power and liquidity needs, leading to smoother operations.
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High Value Funding

  • Drives a business to success with high-value funding that assists with overcoming operational challenges.
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Enhances cashflow

  • Empowers businesses to face their cashflow issues head on, with timely financial assistance.
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Attractive loan terms

  • Offers loans at competitive interest rates, with flexible repayment tenures and a wide range of assets accepted as collateral.
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Benefits of Business Working Capital Loan

Maintains cash flows: Keeps daily operations running smoothly by covering short-term expenses.

Meets operational costs: Helps pay for rent, utilities, payroll, and inventory.

Supports business growth: Provides funds for expansion, marketing, and new projects.

Flexibility: Offers various repayment options tailored to your business needs.

Quick access: Fast approval and disbursal process to address urgent financial needs

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Frequently Asked Questions

Working Capital Loan for small businesses provides access to funds to help businesses cover their short-term operational needs, such as paying employees, managing inventory, and handling day-to-day expenses. It ensures smooth business operations during cash flow shortages.

You can apply for a Working Capital Loan for MSME offline at your nearest HDFC Bank branch or on the HDFC Bank official website.

An MSME Working Capital Loan's interest rate depends on your business revenue and credibility.

A business should get an SME Working Capital Loan when it faces temporary cash flow shortages, needs to cover operational expenses, or wants to take advantage of growth opportunities. This loan helps maintain daily operations, pay bills, and manage unexpected costs without disrupting the business's financial stability.

The amount under SME Capital Loan varies based on the product type.