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Working Capital Finance for Your MSME
Working capital is a short-term commitment for various business obligations and is the lifeline of any business. Maintaining a healthy cash flow to cover day-to-day expenses such as payroll, inventory & operating costs is of utmost importance. As working capital is rotated in each operating cycle, even minor changes in working capital will impact the bottom line & top line significantly. Delayed receivables constitute a significant cause of working capital shortages for businesses.
We, at Red Fort Capital, understand these challenges and are committed to providing quick disbursements, to support your working capital requirements. With our customized working capital loan solutions, we aim to empower small businesses like yours by providing the financial support needed to navigate through operational challenges and drive expansion.
Eligibility Criteria
Eligibility Requirements for Working Capital Finance
- Business Vintage: While we value startup culture, we require a minimum business vintage of 2 years.
- Minimum Turnover: 50 Lakhs per annum in the last two years
- Collateral Requirements: Minimum 2x collateral like open land, residential & commercial spaces, etc.
- EMI cover: We require a minimum of 1.5x EMI cover on a Monthly cashflow basis.
Document Requirements for Working Capital Finance
We only ask for basic documentation to process your loan application. These documents help us gauge your profile and evaluate the financing that will be most helpful for your purpose.
- Basic KYC information
- Business address proof
- Financial documents
Features of Red Fort Capital's Working Capital Loans
Flexible Repayment Options
Tailored to suit your business's specific cash flow needs and cycles, our repayment plans are designed with MSMEs in mind.
Quick Approval and Disbursement
Red Fort Capital ensures a swift approval and disbursement process, enabling MSMEs to access funds promptly and efficiently.
Customized Solutions
We understand that each business is unique. Hence, we provide tailor-made solutions aligned with industry requirements and business goals.
Forward-looking approach
We are committed to understanding your businesses and estimating growth potential from the additional working capital, ultimately affecting the maximum eligibility for availing working capital loans.
Benefits of Working Capital Finance for MSMEs
Working capital loan offer a range of benefits for MSMEs, including:
Cash Flow Management
An addition to working capital smoothens the overall cashflows and reduces payment delays due to delayed debtor realization.
Inventory Management
Inventory prices vary based on the payment terms offered. More liquidity enables businesses to alter payment terms and secure inventories at a discount ultimately improving profit margins.
Business Expansion
The availability of credit and credit lines allows businesses to venture into new geographies, expand product lines, handle demand shocks, and invest in other growth opportunities.
Emergency Funds
A complex business environment will always have uncertainty associated with it. Having a financial buffer aid to handle any unexpected expenses or business challenges.
Steps to apply for Working Capital Loan (Finance)
- Head to our loan application page by clicking here.
- Read the requirements pdf attached at the top.
- Fill in the relevant details as accurately as you can.
- Agree to the terms & conditions.
- Our dedicated team will connect with you & ask for any additional information required.
Borrower Testimonials
“Thanks to Red Fort Capital, we were able to expand our presence in the global market with their quick funding process. With their support, we are able to offer our innovative alkaline black water to a wider audience and promote healthy living globally.”
Aakash Vaghela
“Red Fort Capital has amazed us with the 100 million INR disbursement within a record time of 8 days, timely disbursement holds such great value to us as an organization. With the speed capital provided by Red Fort Capital we will be able to capitalize on time-sensitive opportunities and grow further”
Jenny Varghese
“With Red Fort Capital’s support, we have been able to procure raw materials and meet the specific needs of our valued clients. We are grateful for their trust and partnership helping us expand our market share throughout Maharashtra.”
Nisaar Sutar
