Working Capital Finance
Keep your operating cycle funded, all year round.
About Working Capital Finance
Cash credit, drawing limits and short-term lines structured around your operating cycle so you never have to choose between paying suppliers and fulfilling orders. We size the limit your bank will actually approve, based on your stock and receivables.
Key Benefits
Right-sized limits
Limits built around your real stock and debtor cycle.
Pay only for what you use
Interest on the utilised amount, not the full limit.
Smoother cash flow
Bridge the gap between payables and receivables.
Annual renewal support
We manage renewals and enhancements as you grow.
Where It Helps
Funding inventory and raw material
Bridging receivable collection cycles
Managing seasonal demand spikes
Meeting payroll and operating expenses
Taking on larger purchase orders
Eligibility
Operating business with regular cash flow
Adequate stock and receivables to back the limit
Satisfactory banking conduct
GST-registered with filed returns
Acceptable credit history
Documents Required
- KYC of business and promoters
- Audited financials (last 2 years)
- GST and stock-debtor statements
- Bank statements (last 12 months)
- Existing limit sanction letters (if any)
From Enquiry to Disbursement
A clear, supported process from your first conversation to funds in your account.
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01
Requirement Assessment
We understand your need, profile and repayment capacity.
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02
Documentation Support
We prepare and review a lender-ready file with you.
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03
Lender Matching
We place your case with the best-fit lenders.
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04
Application Processing
We manage follow-ups, queries and underwriting.
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05
Approval & Disbursement
Sanction, agreement and funds in your account.
Ready to Explore Working Capital Finance?
Talk to a M2G advisor for a clear, no-obligation view of your eligibility and best options.