Working Capital
Working Capital Loans – Keep Your Business Moving Without Interruptions
Running a business means managing daily operational expenses, seasonal demand, supplier payments, and unforeseen costs. At Parrato Financial Services, our Working Capital Loan solutions help businesses maintain liquidity and ensure smooth, uninterrupted operations—without dipping into long-term reserves.
What is a Working Capital Loan?
A Working Capital Loan is a short-term loan designed to cover a business’s everyday operational needs such as salaries, rent, inventory, utility bills, raw material purchase, or vendor payments. These loans help bridge cash flow gaps and keep the business engine running efficiently.
Why Choose Parrato for Working Capital Finance?
✅ Quick Access to Funds
Fast approvals and disbursals so your operations never stop.✅ Flexible Tenure & Limits
Borrow as per your cash flow cycle—monthly, quarterly, or seasonal.✅ Collateral-Free Options
Both secured and unsecured working capital loans available based on eligibility.✅ Competitive Interest Rates
Get funding without heavy interest burden.✅ Customized for Your Business
Tailored financing solutions based on your industry, turnover, and business model.
Key Features
| Feature | Details |
|---|---|
| Loan Amount | ₹1 Lakh to ₹1 Crore* |
| Interest Rate | Starting from 10.5%* p.a. |
| Loan Tenure | 12 to 36 months |
| Repayment | EMI / Bullet / Flexible Repayments |
| Collateral | Optional, depending on profile |
| Processing Time | 3–5 working days |
*Terms subject to eligibility and business profile
Ideal for:
Retailers & Wholesalers
Manufacturers & Traders
Service Providers
Startups & SMEs
Seasonal or Export-Oriented Businesses
When to Use a Working Capital Loan
To manage short-term cash flow gaps
During seasonal sales surges or festive demand
To fund bulk inventory purchases
To cover pending receivables or delayed payments
To maintain creditworthiness with suppliers
To seize short-term growth opportunities
Services
Contacts
Visit Us Daily
411 University St, Seattle
Have Any Questions?
+1-800-456-478-23
Mail Us
maxbizz@mail.com
Types of Home Loans We Offer
🏡 Home Purchase Loan – For buying a ready-to-move or under-construction home.
🏗️ Home Construction Loan – For constructing your own home on a plot.
🛠️ Home Renovation Loan – Finance to repair, upgrade, or renovate your home.
💰 Home Loan Balance Transfer – Lower your EMIs by transferring your existing home loan.
🏘️ Top-Up Loans – Additional funds on your existing home loan.
Home Loan Eligibility
Eligibility Criteria:
- Age: 21 to 65 years
- Salaried or Self-employed Individuals
- Stable Income Source
- CIBIL Score: 700+ preferred
- Minimum work/business experience: 2 years
Eligibility Requirements – Documents Checklist
For Salaried Individuals:
- PAN & Aadhaar Card
- 3 months’ salary slips
- Form 16 / ITR
- 6 months bank statement
- Property documents
For Self-Employed Individuals:
- PAN & Aadhaar
- Business proof (GST, Trade License, etc.)
- ITRs for last 2 years
- Profit & Loss statements
- 6 months bank statement
- Property documents
Our Banking Partners
Required Documents
KYC documents (PAN, Aadhaar)
GST Certificate / Business Registration
ITRs and Financial Statements (last 2 years)
Bank statements (last 6–12 months)
Outstanding loan & liability details (if any)
Don’t let cash flow challenges slow down your business.
With Parrato’s Working Capital Loans, keep your business liquid, agile, and ready to grow.
📞 Speak to our lending experts or 📩 Apply Online to get started.