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Loans

Working Capital Loan

Cash credit limits and overdraft facilities to manage raw materials purchase and daily operations.

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10,000+ Happy Clients Across Northeast India
Fast Approval Flow
AI Processed
Interest Rate
9.5%
Min Amount
₹10,00,000
Max Amount
₹10,00,00,000
Tenure
12 months (Renewable)

Why Working Capital Loan Matters

Optimize business cash flow. Cash Credit, Overdraft, and Trade Finance lines from Shani Finserve. Shani Finserve provides customized, AI-driven assistance matching you with the leading lenders and AMCs across Northeast India to guarantee the lowest processing fees and competitive rates. Our platform ensures seamless, paperless execution with priority routing.

Key Product Highlights

Discover the cutting-edge features that make our working capital loan solution the best choice for your financial goals.

Pay on Utilization Only

Flexible Cash Credit

Overdraft Integration

Why Choose Us for Working Capital Loan

Pay interest only on utilized amount

On-demand liquidity

Seasonal funding boosts

Interactive EMI Planner

Simulate your future cash outflows with our real-time smart visualizer.

Loan Amount ₹10,00,000
Interest Rate (p.a) 10.5%
Time Period (Years) 5 Years
Estimated Monthly EMI

₹21,494

Principal Amount ₹10,00,000
Total Interest ₹2,89,637
Total Value ₹12,89,637

Eligibility Criteria

  • Audited balance sheet
  • Active trade cycles
  • Adequate stock valuation

Documents Required

  • Audited financials
  • Stock statement
  • Debtors registry
  • Bank statements

Interest Rates & Product Charges

100% transparent pricing with zero hidden fees. Compare our parameters below.

Parameter Product Value
Expected Rate / Returns 9.5% – 16% p.a.
Processing / Entry Fee 1% – 2.5%
Minimum Amount ₹10,00,000
Maximum Amount ₹10,00,00,000
Time Horizon 12 months (Renewable)

Frequently Asked Questions

Got questions? We've got answers. Explore our knowledge base for quick clarifications.

How is OD different from Loan?

Overdraft allows you to withdraw up to a limit and pay interest only for the days you use the fund.

Built for Northeast India

Shani Finserve bridges the gap between global financial solutions and local MSMEs, tea garden entrepreneurs, and emerging investors across Assam and the Northeast. Your trusted regional partner for wealth and capital.

Guwahati Dibrugarh Tezpur Jorhat Tinsukia Sivasagar
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