Fast and Easy Access to Working Capital

What is a Working Capital Demand Loan?

A working capital demand loan is a short-term loan that you can use to cover expenses, manage cash flow, and/or make capital improvements. A working capital loan for small businesses is meant to help you pay for things like inventory, materials, or payroll which are all things you need to run your business on a day-to-day basis.

Features of EFL's Working Capital Loans

Maximum Loan Amount
You can get a maximum loan amount of up to INR 50 lakhs.
Repayment Schedule
Working Capital Demand Loan is short term (up to 90 days).
Interest Rate
Interest rate is flexible and based on customer profile.
Revolving Loan Nature
It can be used again after repayment or after expiry of 1 year whichever is earlier.


EFL Working Capital Demand Loan : Get immediate access to funds

For every business, having a good working capital is a must. Having working capital is important because it helps businesses to meet their short-term obligations. For example, if there is a sudden rise in sales, then the company will have enough money to buy more raw materials and increase its production.

You need a steady stream of cash flow to keep your business operating and growing. And that means finding sources of funding that won’t tie up all your assets or require an extensive application process.

Working Capital Demand Loan is one such option that can be used by any small business owner who needs access to quick cash without having to put up heavy collateral or wait for approval from traditional lenders like banks and credit unions.

EFL's Working Capital Demand Loan is an excellent alternative to traditional bank financing. If you're looking for a corporate financing loan with low interest rates, fast approvals and flexible repayment schedules, you have come to the right place!


Benefits of EFL’s Working Capital Demand Loan

If you're looking to grow your business, you may be wondering if you should take a loan. But what if you could get the funding you need without having to go through all the paperwork? That's where EFL's Working Capital Demand Loan comes in.

EFL’s Working Capital Demand Loan offers the following benefits:

The Working Capital Demand Loan is a flexible cash advance that can be used as an overdraft loan, a line of credit, or a revolving credit facility. With this product, you can get what you need, when you need it. You will only pay interest on what you actually use.

Get the funds you need quickly, so you can take advantage of opportunities as they arise.

You can use it to finance Working capital requirements, Short-term funding needs or Cash flow requirements.

The application process for EFL’s Working Capital Demand Loan is quick and easy. Just fill out the form on our website, and we'll get back to you within 24 hours with a decision.



Eligibility criteria to avail EFL’s Working Capital Demand Loan:

Turnover above INR 2 Crores
Business vintage of over 3 years
Bureau score more than 700

Please Note: The above criteria will increase your chance of getting a loan, but it is not a mandatory requirement.


In order to avail EFL’s Working Capital Demand Loan, the following business documents are required:

3 Years Balance sheet and ITR
12 Months Bank Statements of all Banks
GST Returns for the current year
KYC – Aadhar & PAN
Residence & Factory ownership proof
Proforma Invoice / Quotation
12 months electricity bills


Frequently Asked Questions

A Working Capital Demand Loan provides small businesses with fast access to capital and flexibility in how they spend it. You can use the money however you need to meet your short-term needs, whether that's paying employees or buying equipment.

A Working Capital Demand Loan is a short-term loan to help you cover day-to-day expenses, so you can avoid interruptions in your cash flow.

We work quickly to process your application. We'll let you know within 24 hours whether we can offer you credit and how much it will be for.

The eligible entities include:-

  • Resident Individuals /Proprietorship/ Partnership Firms/LLP

  • Private Limited companies (incorporated in India)

  • NRI cannot be Applicant/Co-Applicant/Guarantor in the loan structure.

You can apply by filling out the form on our website. Simply fill in the information requested, and we'll be in touch with you shortly to let you know if your application has been approved or denied.

Any business that needs a short-term loan can apply for a working capital demand loan, including Self Employed Non-professionals, Retailers, Wholesalers and Manufacturers.

If you need money quickly and have a good credit score, a working capital demand loan could be perfect for your business. You don’t have to worry about waiting around or missing out on opportunities because you don’t have enough cash on hand. Instead, with this type of business loan, you can take advantage of any opportunity that comes up right away.