{"id":1161,"date":"2022-09-26T07:17:33","date_gmt":"2022-09-26T07:17:33","guid":{"rendered":"https:\/\/blogs.enkash.com\/?p=1161"},"modified":"2025-01-27T16:28:13","modified_gmt":"2025-01-27T10:58:13","slug":"working-capital-loans-for-startups","status":"publish","type":"post","link":"https:\/\/www.enkash.com\/resources\/blog\/working-capital-loans-for-startups","title":{"rendered":"Working Capital Loans To Fuel Your Start-up"},"content":{"rendered":"\r\n\r\n\r\n<p>An entrepreneurial wave has engulfed the day. At present, the number of new (recognized) startups is well <span style=\"font-weight: 400;\">over 127,000, a terrific rise from 726 <\/span> (in 2016-17)\u2014one major factor being the rise of fintech players in recent years. Thanks to them, all businesses, especially those that start from scratch, can now fuel their startups with easy money or &#8220;working capital loans&#8221;, often with no collateral.<\/p>\r\n\r\n\r\n\r\n<p>The fundamentals of business are quite simple &amp; universal:<\/p>\r\n\r\n\r\n\r\n<p><b>Money makes money:<\/b><span style=\"font-weight: 400;\"> Startups earn more when they invest more, be it in inventory, resources, marketing, etc.\u00a0 However, money is a complex entity, because people believe that a business that has to take out loans from the market isn\u2019t doing well, which in reality is not correct.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">We say <\/span><b>a smart working capital loan can build a roadmap to IPO listings!<\/b><span style=\"font-weight: 400;\"> And you&#8217;ll agree to that as you read along. <\/span><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-Working-Capital-Loan\"><\/span>What is Working Capital Loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>We often dread a loan for its never-ending cycle of EMIs. But unlike a home loan or a car loan, a &#8220;working capital loan&#8221; is much easier to avail and vital for a business<\/p>\r\n\r\n\r\n\r\n<p>Working capital is a continuous want; one needs a consistent cash flow to pay the people who work for you (&#8220;payroll&#8221;), to pay the &#8220;rent&#8221; for the land used, for the machineries, and to restock components\/ finished products for future needs (&#8220;inventory&#8221;).<\/p>\r\n\r\n\r\n\r\n<p>Company revenue may fluctuate monthly, seasonally or quarterly, but cash needs don&#8217;t. In short,\u00a0<strong>working capital is the money that keeps your startup going on a day-to-day basis.<\/strong>\u00a0And a working capital loan makes sure you always have enough working capital in hand.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-Working-Capital-Loan-available-for-SMEs-Entrepreneurs\"><\/span>Types of Working Capital Loan available for SMEs &amp; Entrepreneurs:<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>Working capital loans are basically two types: Secured loans (collateral required) and Unsecured loans (without collateral).<\/p>\r\n\r\n\r\n\r\n<p>Some popular working capital loans are:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>Bank Overdraft\/ Line of credit:<\/strong>\u00a0This loan is gained through a pre-approved withdrawal limit on your current bank account.<\/li>\r\n\r\n\r\n\r\n<li><strong>Merchant cash advance\/Factoring:<\/strong>\u00a0This is the loan availed against future credit transactions instead of the current sales receipt; here, the fees can be high, and it might affect your future credit score too.<\/li>\r\n\r\n\r\n\r\n<li><strong>Short-term loans\/Installment loans:\u00a0<\/strong>a secured loan type, this is one of the better-known working capital finance options used by Indian SMEs. It is the money lent against a fixed interest rate for one year or less.<\/li>\r\n\r\n\r\n\r\n<li><strong>Business Credit cards:<\/strong>\u00a0<a href=\"https:\/\/www.enkash.com\/corporate-cards\/\">Corporate cards\u00a0<\/a>like the Credit Card are unlike traditional loans, are used to finance unforeseen capital needs and can be your all-in-one virtual card for all business transactions.<\/li>\r\n\r\n\r\n\r\n<li><strong>Equity Funding:<\/strong>\u00a0Many early startups use personal resources or investors (family and friends) against the startup&#8217;s part (equity share).<\/li>\r\n\r\n\r\n\r\n<li><strong>Trade creditor:\u00a0<\/strong>This is the loan availed on placing bulk orders. Usually, suppliers lend such loans to SMEs.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-3068 size-full\" src=\"https:\/\/www.enkash.com\/resources\/wp-content\/uploads\/2022\/09\/Types-of-business-loans.jpg\" alt=\"Types of business loans\" width=\"1024\" height=\"946\" srcset=\"https:\/\/www.enkash.com\/resources\/wp-content\/uploads\/2022\/09\/Types-of-business-loans.jpg 1024w, https:\/\/www.enkash.com\/resources\/wp-content\/uploads\/2022\/09\/Types-of-business-loans-300x277.jpg 300w, https:\/\/www.enkash.com\/resources\/wp-content\/uploads\/2022\/09\/Types-of-business-loans-768x710.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><span style=\"color: #6d6d6d; font-size: 15px; letter-spacing: -0.015em;\">Types of business loans<\/span><\/figure>\r\n<div class=\"right-cta\">\r\n<h4>Learn How EnKash Can Help You Boost Working Capital<\/h4>\r\n<\/div>\r\n<div class=\"left-cta\"><a class=\"cta-btn\" href=\"https:\/\/www.enkash.com\/resources\/form\/\" target=\"_blank\" rel=\"noopener\">Try EnKash Today<\/a><\/div>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-When-do-you-need-working-capital-finance\"><\/span>Why &amp; When do you need working capital finance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>Consider the following scenario: Prasad, a 32-year-old farmer, decides to start an agritech startup.<\/p>\r\n\r\n\r\n\r\n<p>He has the expertise, the technology, and the human people. He decides to bet on his idea by selling some of his assets and is making decent revenue. People like his products, but product sales is limited.<\/p>\r\n\r\n\r\n\r\n<p>There is also a backlog of non-payments from clients, which will take time to recover. In technical terms, his company&#8217;s liquidity (or cash in hand) is diminishing without affecting its market value.<\/p>\r\n\r\n\r\n\r\n<p><strong>His key concerns are:<\/strong><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>How does he pay his people for the following month?<\/li>\r\n\r\n\r\n\r\n<li>Should he make further purchases to stock up his inventory?<\/li>\r\n\r\n\r\n\r\n<li>Should he invest in marketing?<\/li>\r\n\r\n\r\n\r\n<li>Has he failed as an entrepreneur?<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>If you are living this dilemma, don&#8217;t fret!\u00a0<strong>You are not alone.<\/strong>\u00a0In India, millions of startup founders &amp; merchants, from the smallest\u00a0<em>Kirana<\/em>\u00a0store to the largest supply chain owners, face this problem (or a part of it).<\/p>\r\n\r\n\r\n\r\n<p>Many would agree that Prasad can perform much better if he gets monetary aid. And that is exactly where top fintech companies in India 2020, like the EnKash, enter the scene.<\/p>\r\n\r\n\r\n\r\n<p><strong>Capital finance will help startups with the following:<\/strong><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Fulfilling cash needs for rent, payroll, inventory, and other daily operations is vital for sustenance.<\/li>\r\n\r\n\r\n\r\n<li>Improve the company&#8217;s growth curve with marketing and achieve increased retail sales.<\/li>\r\n\r\n\r\n\r\n<li>Improve the company&#8217;s liquidity status until recovery from unpaid invoices.<\/li>\r\n\r\n\r\n\r\n<li>Invest more in future plans of expansion<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Check-your-eligibility-before-approaching-for-a-loan\"><\/span>Check your eligibility before approaching for a loan!<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Loan eligibility varies from lender to lender but here are some general eligibility criteria that are taken into consideration:<\/span><\/p>\r\n<p><b>Business Age: <\/b><span style=\"font-weight: 400;\">It is necessary for a business to be operational for at least a year for it to be eligible for a loan.<\/span><\/p>\r\n<p><b>Credit Score: <\/b><span style=\"font-weight: 400;\">Most lenders require you to have a good <a href=\"https:\/\/www.enkash.com\/resources\/blog\/how-to-increase-your-cibil-score\/\">credit score<\/a> (typically above 700) as it shows that you can handle debt easily and can make timely repayments.\u00a0<\/span><\/p>\r\n<p><b>Annual Revenue: <\/b><span style=\"font-weight: 400;\">Another important factor is yearly revenue,<\/span> <span style=\"font-weight: 400;\">having a good yearly revenue is important as it tells a lender about your repayment capacity<\/span><\/p>\r\n<p><b>Business Plan:<\/b><span style=\"font-weight: 400;\"> A solid business plan showcasing your future projections and growth strategies can strengthen your loan application.<\/span><\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"Documents-Required-for-Working-Capital-Loans\"><\/span><b>Documents Required for Working Capital Loans<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">The specific documents required will vary depending on the lender, but common requirements include:<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Filled out application form with photographs<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aadhar Card, PAN Card, Driving license, Voter ID Card, Passport, and Utility bills of the applicant<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business registration documents like certificate of registration\/incorporation<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1 Year Bank statement<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If the lender requires, he can ask for more documents<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\r\n<div class=\"wp-block-embed__wrapper\"><iframe title=\"YouTube video player\" src=\"\/\/www.youtube.com\/embed\/_nWojt1Mego\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\r\n<\/figure>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5-Quick-Ways-To-Get-Financial-Help-From-Lenders-In-India\"><\/span>5 Quick Ways To Get Financial Help From Lenders In India<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>Financial aid, in the face of an emergency, can be quickly availed through:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Lending from friends and relatives for quick cash.<\/li>\r\n\r\n\r\n\r\n<li>Applying for quick, collateral-free loans on fintech platforms like EnKash (where the loans can be approved within 3 business days and zero collateral, all through a DIY interface).<\/li>\r\n\r\n\r\n\r\n<li>Mortgaging of land\/ property and eligible assets against withdrawn amount.<\/li>\r\n\r\n\r\n\r\n<li>Applying under\u00a0<strong>Pradhan Mantri Rozgar Yojana\u00a0<\/strong>(PMRY) and other eligible government schemes (under PMRY, eligible candidates can avail up to 5 lakh of loan for business setup).<\/li>\r\n\r\n\r\n\r\n<li>Availing gold loans against mortgaged jewelry and valuables.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefits-of-Working-Capital-Loans\"><\/span><b>Benefits of Working Capital Loans<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><b>Financial Stability and Flexibility: <\/b><span style=\"font-weight: 400;\">Having a working capital loan can benefit a business in numerous ways, it can give a business the ability to manage cash flow for operational expenses like salary disbursement, rental payment, utility payments, and investment in inventory\/stocks. Moreover, it also paves the way for a business to continue smooth operations even when the market is down.<\/span><\/p>\r\n<p><b>Enhanced Business Growth: <\/b><span style=\"font-weight: 400;\">With access to working capital, businesses can invest in strategic initiatives to drive growth. Whether it&#8217;s expanding marketing efforts, launching new products or services, or entering new markets, working capital loans empower entrepreneurs to take calculated risks and pursue avenues that can lead to increased revenue and market share. This ability to invest in growth initiatives sets the stage for long-term success and competitiveness.<\/span><\/p>\r\n<p><b>Improved Cash Flow Management: <\/b><span style=\"font-weight: 400;\">Managing cash flow is crucial for sustaining operations and meeting financial obligations. Working capital loans provide a buffer against cash flow challenges caused by delayed payments from customers or unexpected expenses. By bridging gaps in cash flow, these loans prevent disruptions in business operations and allow for smoother financial management, reducing the risk of defaulting on payments or missing opportunities due to cash shortages.<\/span><\/p>\r\n<p><b>Operational Efficiency and Agility: <\/b><span style=\"font-weight: 400;\">Timely access to working capital enables businesses to operate more efficiently and respond swiftly to market dynamics. Whether it&#8217;s taking advantage of supplier discounts by making bulk purchases, securing timely payments to suppliers and vendors, or optimizing inventory levels, working capital loans empower businesses to streamline operations and enhance overall efficiency. This agility in operations is especially crucial in competitive industries where quick decision-making and execution can make a significant difference.<\/span><\/p>\r\n<p><b>Crisis Resilience and Risk Mitigation:<\/b><span style=\"font-weight: 400;\"> In times of crisis or economic uncertainty, having adequate working capital becomes even more critical. Working capital loans provide a safety net that allows businesses to navigate through challenging periods, such as economic downturns, market disruptions, or unexpected emergencies. By having sufficient liquidity, businesses can withstand temporary setbacks, sustain operations, and position themselves for recovery and future growth.<\/span><\/p>\r\n<p><b>Strategic Investment Opportunities: <\/b><span style=\"font-weight: 400;\">Beyond day-to-day operational needs, working capital loans enable businesses to seize strategic investment opportunities that can drive long-term value. Whether it&#8217;s acquiring key assets, investing in technology upgrades, or pursuing mergers and acquisitions, access to working capital empowers businesses to make strategic decisions that contribute to their competitiveness and market position.<\/span><\/p>\r\n<p><b>Credit Building and Financial Health:<\/b><span style=\"font-weight: 400;\"> Responsible utilization of working capital loans can contribute to building a positive credit history and improving the financial health of businesses. By demonstrating the ability to manage debt and meet financial obligations, businesses can enhance their creditworthiness, access larger loan amounts at favorable terms in the future, and strengthen their overall financial standing in the eyes of lenders and investors.<\/span><\/p>\r\n\r\n\r\n\r\n<p>To know more, visit <a href=\"https:\/\/www.enkash.com\/\">EnKash<\/a>. You can also click below on Signup Now and we will reach out to you soon.<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>An entrepreneurial wave has engulfed the day. At present, the number of new (recognized) startups is [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":12169,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[39],"tags":[474,475,476,477,478,479],"class_list":["post-1161","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cards","tag-cards","tag-working-capital-management","tag-working-capital-finance","tag-working-capital-analytics","tag-principles-of-working-capital-management","tag-factors-affecting-working-capital-management"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Working Capital Loans To Fuel Your Start-up | Enkash<\/title>\n<meta name=\"description\" content=\"Loans for working capital in small businesses can be a lifesaver for an up and coming startup, 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