Working Capital Finance

Working Capital Finance Inquiry

Submit your details to check your eligibility for our customized Working Capital solutions. We cater to the unique needs of various industries.

Business/Company Name *

Owner/Director Full Name *

Mobile Number *

Business Email ID *

Required WCF Limit (₹) *

Estimated Annual Turnover (₹) *

I authorize DCT Multiservices LLP to contact me and share my details for processing this Working Capital Finance request.

Comprehensive Working Capital Facilities

Working Capital Finance is not a single product, but a suite of flexible instruments designed to meet various short-term needs of a business.

Cash Credit / Overdraft (CC/OD)

A revolving credit line sanctioned against security (e.g., inventory or receivables) or clean cash flows, allowing continuous withdrawal and deposit up to a set limit.

Bill Discounting / Factoring

Obtaining immediate funds by selling your Accounts Receivables (bills/invoices) to a lender at a discount, resolving cash flow blockages due to credit sales.

Letter of Credit (LC)

A bank's guarantee to a seller (beneficiary) on behalf of the buyer (applicant) that payment will be made, often used for import/export and large domestic trade deals.

Bank Guarantee (BG)

A bank assures a third party that the bank will step in and cover a customer's liability if the customer defaults on a contractual obligation.

Packing Credit / Post Shipment Finance

Credit facilities specific to exporters, covering pre-shipment costs (Packing Credit) or bridging the gap between shipment and payment receipt (Post Shipment Finance).

Short-term Term Loans (TL)

Small, fixed-tenure loans with easy EMI options used for immediate expenses like bulk inventory purchase or tax payments, often requiring no collateral.

Eligibility and Documentation Checklist

To avail of Working Capital Finance, your business must meet certain operational and financial criteria. This often depends on the type of facility applied for.

Key Eligibility Requirements

Business Structure: Sole Proprietorship, HUF, Partnership Firm, Private Ltd or Public Ltd Company.
Business Vintage: Minimum 3 years of operation in the same business and location.
Banking Relationship: Minimum 6 months of satisfactory asset/liability relationship with the Bank/NBFC.
Credit History: Not listed in any negative database (RBI, CIBIL, etc.).
Annual Turnover: Meeting the minimum required turnover threshold set by the lender (varies).

Generally Required Documents

Business Continuity Proof (3 years of ITR & Income Statement).
Last 2 years Audited Financials (with Debtors & Creditors list).
Last 12 months Bank Statements.
Incorporation Documents (PAN, MOA, AOA, Partnership Deed, etc.).
CMA Report (if turnover is above a certain threshold, typically ₹5 crores).

Customer Segments and Benefits

Working Capital Finance is crucial across various sectors for optimizing cash flows and ensuring growth.

Who Can Benefit?

Manufacturers: To purchase raw materials, cover production costs, and manage inventory cycles.

Traders/Retailers: To manage stock purchases, cover seasonal demands, and offer credit to buyers.

Service Enterprises: To bridge the gap between service delivery and final client payment (receivables management).

Common Uses of Working Capital Loans

Funding Payroll and Statutory Taxes.
Purchasing New/Bulk Inventory.
Expansion and Marketing Campaigns.
Covering Accounts Payable to suppliers.

Frequently Asked Questions on WCF

Working Capital Finance is short-term, used for operational expenses, and often revolving (like Cash Credit). A Term Loan is medium-to-long-term, used for capital expenditures (like purchasing machinery or land), and repaid via fixed monthly EMIs.

No, not always. While large facilities like Cash Credit may require collateral against inventory or property, many short-term WCF products, especially unsecured business loans, are evaluated based purely on the strength of the business's cash flows and expected receivables.

This means your current bank account operations must be healthy. The account should not have frequent instances of bounced cheques, unauthorized overdrafts, or irregular transaction patterns. It demonstrates sound financial discipline.

Yes. While primarily for day-to-day operations, WCF can be used to fund the operational side of expansion, such as purchasing bulk inventory for a new store, or investing in immediate advertising and marketing efforts to support growth.

Working Capital
Finance

Empowering Businesses with Customized Working Capital Finance