Working Capital Loan

Working Capital Loan

Every business needs consistent cash flow to survive and grow. At UGMoney Capital, we offer Working Capital Loans designed to support your daily business operations — from managing inventory and paying staff to covering rent, utilities, and short-term liabilities. A Working Capital Loan is not used for long-term investments like buying machinery or real estate, but rather to keep your operations running efficiently during cash crunches. It’s especially useful during seasonal demand, delayed payments from clients, or expansion periods.

Our working capital loans are tailored to your business’s specific needs. Whether you're a small manufacturer, a trader, a wholesaler, or a service provider, we provide flexible financing options with competitive interest rates, low documentation, and fast approval.

With repayment tenures ranging from 6 months to 36 months and the option to choose EMIs or overdraft limits, you can manage your business cash flow on your terms. Our dedicated relationship managers help you understand your financial position, calculate your exact capital needs, and assist you through every stage of the loan process.

Loan Requirements

Applying for a loan with UGMoney Capital is simple, fast, and hassle-free. To ensure a smooth approval process, we require a few essential documents that help us verify your identity, business or employment details, and financial stability. The required documents may vary slightly depending on the loan type, but the core requirements remain the same.

  • Aadhaar Card, PAN Card, and Passport-size photograph (for identity and address verification)
  • Salary slips, bank statements (for salaried individuals), or ITR, balance sheet, profit & loss (for businesses/self-employed)
  • GST certificate, Udyam/MSME registration, Shop Act, trade license, etc.
  • Last 6–12 months to understand cash flow and repayment ability
  • Property papers, car documents, or machinery invoices as applicable
Apply Now

  • Working capital loans are used for day-to-day operational needs such as payroll, inventory purchases, rent, bills, and vendor payments.

  • Many working capital loans are unsecured, especially for smaller amounts. For higher limits, lenders may ask for security.

  • Loan amounts range from ₹50,000 to ₹50 Lakhs or more, based on your turnover, business type, and financials.