Working Capital Loan Advisory.
A working capital loan bridges the gap between paying suppliers and collecting from customers — sized correctly, it funds genuine operating cycle needs without over-leveraging the business.
Operating Cycle Funding · Cash Credit · Limit Structuring
Where This Applies
- The gap between paying suppliers and collecting from customers needs funding to keep operations running smoothly.
- Existing limits no longer match the business's current scale or operating cycle.
- Seasonal or cyclical swings in working capital need require a properly sized facility.
- The right limit size needs to be based on operating cycle analysis, not just turnover.
How We Approach It
We assess the operating cycle — receivables, payables and inventory days — before sizing the facility, then match the structure and lender to the business's actual cash conversion pattern rather than maximum eligibility.
Why EquiFin
- Independent advisory — we structure and negotiate, we do not lend ourselves.
- 60+ active lender relationships across PSU banks, private banks, NBFCs and private credit funds.
- One point of contact from structuring through to disbursement.
Frequently Asked Questions
What is a working capital loan?
A working capital loan funds a business's short-term operating needs — the gap between paying suppliers and collecting from customers — rather than long-term capital investment.
How is a working capital loan sized?
It's sized against the business's operating cycle — receivables, payables and inventory days — rather than turnover alone.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
Size the Loan to the Operating Cycle, Not Just Eligibility.
We structure working capital against genuine cash conversion needs.
Discuss a Working Capital Loan