Working Capital

Capital for Today, Growth for Tomorrow.

At Kaarthikeya Fintech Solutions, we understand that businesses need access to reliable capital to operate smoothly and achieve growth. Our Working Capital Loan Services are designed to help businesses manage cash flow, fund day-to-day operations, and take advantage of growth opportunities without disruption. Whether you’re a startup, small business, or an established company, our working capital loans provide flexible financing solutions with competitive rates, quick approval processes, and tailored repayment options.

Our Features

We pride ourselves on transparency. With no hidden fees or surprises, you can plan confidently.

Cash Flow Management

Maintain consistent cash flow to cover payroll, inventory, utilities, and other essential expenses.

Short-Term Loans

Choose repayment terms up to 15 years, allowing you to repay at a comfortable pace.

Overdraft Facilities

This facility enables you to withdraw money from your bank account, even if you do not have any account balance.

Top-Up Loan Option

Need additional funds? Our top-up option on your existing mortgage loan makes it easy to access more funds as needed.

Our Categories

Over Draft

Cash Credit

CGTMSE Loans

Dropline OD

Term Loan

Bank Gurantee

Letter Of Credit

Why Choose Our Working Capital Loan Services?

Quick Access to Funds: Get fast approvals and disbursements to meet immediate business needs.
Flexible Repayment Options: Choose a repayment plan that aligns with your business cycle and cash flow requirements.
Affordable Interest Rates: Benefit from competitive interest rates designed to keep costs manageable.
Minimal Documentation: Enjoy a simplified application process with minimal paperwork, enabling you to focus on your business.
Dedicated Support: Our financial experts are here to guide you through every step, ensuring you choose the best loan option for your business.

Eligibility Criteria

Business Age: Minimum 3 years in operation.
Revenue: Stable revenue to demonstrate repayment capability.
Credit Score: Positive credit history for the business or business owner.

Documents Required

Proof of identity (Aadhaar, PAN, Passport, etc.)
Financial statements (bank statements,ITR, profit and loss, balance sheet)
Business registration documents