Working capital.

The Significance of Working Capital: Working Capital is the lifeblood of your enterprise, orchestrating the seamless execution of daily functions. Whether it's procuring raw materials, settling utility payments, or navigating unforeseen expenses, maintaining a consistent and robust cash flow is imperative for sustaining productivity and fostering organic growth.Welcome to the financial powerhouse that fuels your business – 1 Click Capital's Working Capital Finance: Understanding the hurdles businesses face due to inadequate liquidity, 1 Click Capital introduces the Working Capital Finance – a financial lifeline meticulously designed to fortify your business against the constraints of cash flow. With us, you can embrace a solution finely crafted to address the intricate financial demands inherent in day-to-day operations.

Facilitating Seamless Business Operations: Our Working Capital Loan acts as your gateway to financial stability and agility. Opting for our tailored financing avenue is not just a strategic move; it's a commitment to optimizing cash flow, enhancing liquidity, and empowering your business with the financial prowess necessary for sustainable growth.


Features & Benefits of 1 Click Capital’s Working Capital Finance

Loan of up to Rs 5 Crores

Strengthen your business with financial versatility, and acquire our working capital loan of upto Rs 5 Crores for efficient management of both minor and major expenses.

Online application process

Secure your working capital effortlessly through our user-friendly online application process, granting you the convenience to apply from anywhere and at your preferred time.

Minimal Documentation

Experience a seamless application process requiring only minimal documentation.

No Collateral Required

Obtain our working capital loan with ease, as no collateral or security is required, offering a hassle-free and accessible financing solution.

No hidden charges

Our loans come with no hidden charges, all fees and costs are clearly outlined in the loan document, ensuring full visibility. We recommend thorough reading for full understanding.

Convenient tenures of up to 18 Months

Gain the added advantage with convenient loan tenures ranging from 1 month to 18 months.

Rapid Approval

Benefit from our streamlined process with application approval in less than 48 hours*.

Flexible Repayments

Experience the convenience of adaptable repayments with the freedom to choose from weekly, fortnightly repayment options, providing you with financial flexibility tailored to your preferences.

Eligibility Criteria

Applicants will have to be Indian nationals and registered as an Indian Entity
Nature of Business
Working Capital Finance eligibility depends on the nature of the business.
Applicants Age
Applicants must be between 21 to 60 years of age.
Minimum Business Vintage
Your business should be operational for the past 2 years.

Documents Required

  1. Latest color photograph of the applicant.
  2. KYC documents- Aadhar Card/ Passport/Voters ID/Driving License.
  3. PAN Card.
  4. Proof of business ownership.
  5. Bank account statement for the latest 1 year.
  6. Financial documents

*The above list is indicative in nature and additional documents can be asked for.

Step-by-step guide to applying for Working Capital Loan


Enter the necessary details as specified in the application form.


Once all your details are entered, click on the Send Message.


Ensure all necessary documents are ready for review.


Our representative will guide you through the next steps of the process.


Cooperate with our team to complete the verification of your documents.


Upon successful verification, receive confirmation of loan approval.

Got Questions

Here are a few of our most frequently asked questions

Unlike long-term business loans designed for capital investments, a working capital loan is money borrowed to finance day-to-day operations of the business. This includes fixed, regular expenses such as rent for factory shed and office, salaries and wages, office expenses, security costs, etc.

Although your business may be running smoothly, there will be lean periods when it won’t have the cash to cover immediate or short-term costs. This could be because of delayed payments, or unplanned expenditure. In these times, a working capital loan will help you meet daily expenses.

The loan amount for a Working Capital Loan is typically determined based on factors such as business cash flow, creditworthiness, and the specific financial needs of the business. The interest rate for this loan typically starts at 1.5% per month onwards. The interest rate charged by the Company is influenced by several factors which may vary based on Cost of funds, Credit risk assessment, Operating costs, Market Conditions. The Company ensures transparency by clearly communicating applicable charges to borrowers at the time of loan sanction, so that borrowers have a comprehensive understanding of the various fees and charges associated with the loan to help them make informed borrowing decisions. Further all applicable charges such as processing fees/penal/late payment and other charges are mentioned in loan documents.

Yes, we offer loans to startups. However, we define startups as businesses that are at least 2 years old. In certain cases, upon company discretion, we may consider businesses less than 2 years old. If this applies to you, additional documentation will be required.

While our standard definition considers startups as businesses with a minimum age of 2 years, exceptions may be made at our discretion. Factors such as financial stability, business plan viability, and industry trends could influence the decision.