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WORKING CAPITAL LOAN

What is a Working Capital Loan?


Working capital loans are provided for financing everyday operations of a company and used to cover or build-up current assets like inventory, stock-in-trade, accounts receivables, etc., Companies that have high seasonality or cyclical sales cycles usually rely on working capital loans to help with periods of reduced business activity. Various types of bank facilities fall under working capital facility. Some of the types of working capital facilities are cash credit, overdraft, letter of credit, bank guarantee, packing credit, post shipment finance and bill discounting.


We offer a variety of services like working capital syndication, CMA report preparation, company incorporation, trademark registration, GST registration, income tax filing and more. We can help you syndicate working capital loan for your business. Get a free consultation for working capital loan syndication through True Business Minds by scheduling an appointment with our experts.


Different Types of Bank Loan Facilities:


Term Loan


Term loan is sanctioned by Banks for purchase of fixed assets like land, building, equipment and other types of assets. Repayment is fixed over a period of 5 years with EMI payments or bullet payments.


Working Capital


Working capital loan is sanctioned by Banks for working capital purposes like holding of inventory, receivables and build-up of other current assets in a business. Working capital facilities are renewable every year.


Letter of Credit


Letter of credit is a type of facility from a Bank guaranteeing a buyer's payment to a seller, in the event that the buyer is unable to make payment on the purchase as per terms of the transaction.


Bank Guarantee


Bank guarantee is a promise from a bank that the liabilities of a party will be met by the Bank in the event that the party fails to fulfill contractual obligations. Bank guarantees are typically requested while executing large projects.


Mortgage Loan


Mortgage loans are loans that are backed by real property by putting a lien on the property being mortgaged. The funds generated from a mortgage loan can be used by the business for any purpose.


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