Saarthiom Advisory Dispatch
Working Capital Loan
Keep your business cash flow running smooth
Working capital loans help businesses manage day-to-day operational expenses — from inventory purchases and payroll to utility bills and rent. Unlike term loans, working capital facilities are revolving in nature, meaning you can draw and repay repeatedly within the sanctioned limit.
Common working capital products include Cash Credit (CC), Overdraft (OD), Bill Discounting, and Channel Financing. Interest is charged only on the amount utilized, making it cost-effective for seasonal or cyclical businesses.
Saarthiom helps you secure the right working capital facility from banks and NBFCs, with competitive interest rates and flexible limits tailored to your business cycle.
“Keep your business cash flow running smooth”
— Saarthiom Advisory
Eligibility — Who Qualifies?
How It Works — Step by Step
Cash Flow Analysis
We assess your working capital cycle and determine the ideal facility type.
Limit Calculation
Working capital limit is calculated based on turnover, stock, and receivables.
Lender Selection
Best-fit bank or NBFC is selected based on your profile and facility type.
Application & Sanction
Application is filed with complete financials and followed up until sanction.
Facility Activation
CC/OD account is activated and you can start drawing funds.
Documents Required
Begin Your Free Consultation
Our advisors will evaluate your eligibility and guide you through every step at zero cost.