Working Capital Loan
Quick financing to keep your business operations running smoothly
Maintaining steady cash flow is essential for day-to-day operations, seizing growth opportunities, and weathering unexpected challenges. Jessica Fincorp's Working Capital Loans are short-term funding solutions designed to cover operational costs such as salaries, inventory purchases, rent, utility bills, and other overheads — bridging temporary cash flow gaps so your business keeps running efficiently. Unlike a term loan used for long-term investment, our working capital loans are structured for quick access, competitive interest rates, and flexible repayment terms — ideal for managing seasonal fluctuations or unplanned expenses without added financial stress.
Steady Cash Flow
Get the liquidity you need to meet running costs even through income fluctuations or surprise bills.
Seize Growth Opportunities
Access quick capital to launch a new product line, expand into new markets, or fund marketing initiatives.
Seasonal Fluctuation Management
Bridge cash flow gaps during slow periods so you're fully resourced when peak season arrives.
Flexible Formats
Choose from lines of credit, invoice financing, merchant cash advances, and more to suit your business.
Quick Approval Process
A streamlined approval process ensures you get funds exactly when you need them.
Flexible Repayment Options
Repayment terms crafted to match your business's cash flow and budget.
Dedicated Support
Our team guides you through eligibility, documentation, and repayment options every step of the way.
Eligibility Criteria
- Open to manufacturers, service providers, retailers/wholesalers, and traders engaged in imports/exports
- Eligible entities include Sole Proprietorship Firms, Partnership Firms, and Private Limited Companies
- Business should have an established credit profile and financial track record
Documents Required
- KYC documents: PAN Card, Aadhaar Card, and address proof
- Business registration and continuity proof
- Bank statements for the last 12 months
- Latest ITR along with income computation, balance sheet, and P&L account for the last 2 years, certified by a CA
- Collateral documents where applicable (residential/commercial/industrial property or liquid securities are accepted)