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Working Capital That Moves at the Speed of Your Business
Cash credit, overdrafts, bill discounting and structured working capital limits — designed around your operating cycle and placed with lenders who understand your industry.
Funding Amount
₹25 Lakh – ₹100 Cr
Approval Timeline
10–21 days
Pricing
9% p.a. onwards
About Working Capital Finance
Working capital is the oxygen of any operating business. Inadequate limits force painful choices — delaying supplier payments, refusing large orders or borrowing at ruinous informal rates. Conversely, a well-structured working capital line converts your receivables, inventory and orders into reliable liquidity.
LOANYARD CAPITAL designs working capital solutions around your actual operating cycle. We analyse your debtor days, inventory holding and creditor terms to compute a defensible assessment of your requirement — the same MPBF and cash-budget methods banks use — and then negotiate limits that genuinely support your growth rather than constrain it.
Our mandates span the full toolkit: fund-based limits (cash credit, overdraft, WCDL), non-fund-based limits (LC, BG), receivable financing (bill and invoice discounting, factoring) and unsecured working capital for businesses without hard collateral. For growing companies, we routinely deliver 30–60% limit enhancements simply through better assessment and competitive placement.
Key Benefits
Who Should Apply
- Manufacturers with long production-to-payment cycles
- Traders and distributors carrying significant inventory
- EPC contractors needing BG and mobilisation funding
- Exporters requiring pre- and post-shipment finance
- Businesses whose limits have not grown with turnover
Eligibility
- Business vintage of 3+ years preferred
- Audited financials demonstrating positive net worth
- Debtors predominantly within 90–120 days
- Satisfactory conduct of existing limits, if any
- Realistic projections supported by orders or trends
Documents Required
- Audited financials for the last 3 years
- Provisional financials and projections (CMA data — we prepare)
- 12-month bank statements of all accounts
- Debtor–creditor ageing and stock statement
- GST returns and order-book summary
- Existing sanction letters and security details
Industries Served
Our Process
Cycle Analysis
We compute your true working capital need using bank-grade methods.
CMA & Proposal
Complete CMA data and credit proposal prepared by our analysts.
Lender Placement
Placement with banks strong in your industry and geography.
Limit Negotiation
We negotiate limits, margins, interest and collateral cover.
Renewal Support
Annual renewals and enhancements managed proactively.
Why LOANYARD CAPITAL
15+ Years
Advisory Experience
500+
Corporate Clients
100+
Lending Relationships
Pan-India
Coverage