Working Capital Loan
A programme by Indifi Technologies
Collateral-free working capital for running costs such as stock, salaries and vendor payments, offered through Indifi's lending partners.
At a glance
| Best for | Established MSMEs that need cash for running costs |
|---|---|
| Stage | Growth |
| Format | Online |
About Working Capital Loan
A working capital loan is short-term finance for the everyday costs of running a business. Indifi offers it through its lending partners and says it is collateral-free and assessed on business performance rather than property.
What you get
- Funds for stock, salaries, vendor payments, rent and other operating costs.
- Assessment based on bank transactions, GST records, turnover and business vintage.
- An online process with no branch visit.
Who can apply
- Businesses with a minimum operating history stated on the page.
- Businesses with a valid GST registration.
- Promoters who meet the minimum age the page sets.
How selection works: the lending partner evaluates cash flow, banking behaviour and GST records to decide the working capital limit.
How to apply: apply on the Indifi website, complete KYC and upload your business documents.
Where to apply
Other Indifi Technologies programmes
- Term LoanA fixed loan repaid in equal monthly instalments, for equipment, expansion or hiring, offered through Indifi's lending partners.
- Merchant Cash AdvanceA loan for businesses with many card or digital payments through a POS machine, repaid from those payments each day.
- Unsecured Business LoanA collateral-free business loan for MSMEs, based on business financials and credit profile, offered through Indifi's lending partners.