Cash is oxygen for business. ThynkFin ensures your business never runs out of breath with smart working capital solutions.
Project Finance
What is Working Capital Finance?
Working Capital Finance covers the short-term financing needs of a business — raw material procurement, salary payments, vendor payments, and managing the gap between payables and receivables. We arrange Working Capital loans in multiple formats tailored to your business cycle.
Products Under Working Capital
- Revolving credit limit against stock and debtors. The most flexible form — draw as needed, pay interest only on what you use.Cash Credit (CC) / Overdraft (OD):
- Get immediate payment against your trade receivables or purchase orders.Bill Discounting / Invoice Financing:
- Performance and financial guarantees for tenders, contracts, and advance payments.Bank Guarantee (BG):
- Facilitates domestic and import purchases with bank guarantee to suppliers.Letter of Credit (LC):
- Pre-shipment finance for export-oriented units.Packing Credit:
Key Features
| CC/OD Limit | ₹10 Lakh to ₹500 Crore |
| Security | Hypothecation of stock, book debts; EM of property |
| Renewal | Annual renewal; limits enhanced on performance |
| Interest Rate | Starting from 7.00% p.a. based on credit rating |
| Banks | We have affiliation with more than 30 Banks/FIs |
Krishna's Wisdom on Working Capital
"Do not let today's cash flow challenge become tomorrow's business failure. The wise entrepreneur plans for the gap." — ThynkFin Philosophy
We assess your business cycle, receivable period, and inventory holding to recommend the precise structure of working capital that keeps you lean and liquid.
