The 7 Best Working Capital Loan Providers for Fast Funding
Running a business in India often comes with fluctuating cash flow, seasonal sales cycles, and unexpected operational expenses.
This is where working capital loans become crucial. These loans help businesses manage daily operations, pay salaries, purchase inventory, and more—without dipping into long-term capital or equity.
In today’s competitive landscape, speed is everything. Fortunately, several Indian lenders now offer fast-working capital loans with streamlined digital application processes and quick disbursals.
Here are the 7 best working capital loan lenders in India known for fast funding and business-friendly services.
1. My Mudra
Best for: Established businesses with good credit
Funding speed: Within 48 hours (after document verification)
My Mudra offers working capital loans through overdraft facilities, cash credit, and term loans. With competitive interest rates and flexible repayment options, it’s a trusted choice for MSMEs.
2. ICICI Bank
Best for: Businesses looking for overdraft protection and revolving credit
Funding speed: Within 1–3 working days
ICICI Bank offers a range of working capital solutions, including overdraft, letter of credit, and invoice discounting. Its InstaOD product, in particular, allows instant sanction of overdraft limits up to ₹50 lakhs for current account holders with minimal paperwork.
3. Lendingkart
Best for: Small businesses and startups
Funding speed: Within 72 hours
Lendingkart is a digital-first NBFC that specializes in offering unsecured working capital loans to small and medium enterprises. With minimal documentation, no collateral requirement, and an AI-driven credit evaluation system, it provides quick loan disbursals, sometimes within 3 days.
4. FlexiLoans
Best for: Businesses with limited credit history
Funding speed: 1–2 business days
FlexiLoans offers working capital loans up to ₹1 crore with a completely online process. It’s ideal for SMEs that don’t have traditional credit records but can show digital transactions and consistent business income. Quick approval and disbursal make it a favorite among online sellers and retailers.
5. Kotak Mahindra Bank
Best for: Mid-sized businesses with existing banking relationships
Funding speed: 24–72 hours
Kotak Mahindra Bank provides working capital loans through cash credit, bill discounting, and export finance. For businesses with a current account at the bank, processing is often faster and can be completed in 1–3 days. The bank also supports tailored credit limits based on business cycles.
6. Indifi Technologies
Best for: Sector-specific working capital needs (e.g., travel, e-commerce)
Funding speed: 24–48 hours
Indifi is a fintech lender that focuses on niche industries such as travel agencies, hotels, and logistics companies. They partner with platforms like Amazon, Flipkart, and Swiggy to offer quick working capital based on business performance, not just credit score.
7. Tata Capital
Best for: Flexible loan terms and fast disbursal
Funding speed: 2–3 working days
Tata Capital offers unsecured working capital loans up to ₹75 lakhs with attractive interest rates and flexible repayment options. Their fast-track processing and low documentation requirements make them a great option for businesses in urgent need of liquidity.
Final Thoughts
Access to fast working capital can be the difference between seizing an opportunity and missing out. Whether you’re a startup, retailer, manufacturer, or service provider, India’s lending landscape offers multiple options to fund your day-to-day operations quickly.
Pro tips:
- Compare interest rates, processing fees, and repayment terms before applying.
- Ensure you have digital financial records (GST, ITR, bank statements) ready for faster approvals.
- Use loans responsibly—borrow only what you can repay comfortably.
With the right lender, you can unlock cash flow and keep your business running smoothly, even during lean periods.
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