Working Capital Bill Discounting
Keep your business running smoothly with quick funding up to ₹100 Cr., at rates starting 7.75% p.a.
About Working Capital Bill Discounting
Bill discounting is a receivables-finance facility that helps a business access funds against genuine invoices raised for completed supplies or services. Instead of waiting for the buyer's credit period to end, the business receives an advance after lender or platform verification.
We are partnered with India's leading banks and NBFCs to offer working capital finance up to ₹100 cr., with interest rates starting from 7.75% p.a., matched to your turnover, capital and banking history.
Whether you need a term loan, cc limit, overdraft limit or revolving credit line, we help you choose the right structure with quick approval and disbursal in as fast as 7 to 10 days.
Inventory Purchase
Stock up ahead of demand or festive seasons without straining cash reserves.
Vendor & Supplier Payments
Pay suppliers on time to maintain strong business relationships and credit terms.
Payroll Management
Ensure timely salary disbursal to your team even during slow collection cycles.
Seasonal Cash Flow Gaps
Bridge temporary shortfalls during off-peak seasons or delayed receivables.
Overdraft Requirement
Get a revolving credit line to manage day-to-day operational expenses.
Short-Term Contracts
Fund working capital needs for executing a new short-term order or contract.
Machinery purchase
Get working capital in form of machinery loan to buy any machinery for business.
Apply for Working Capital Loan
Features & Benefits
Everything that makes a PaisaEHub.com Working Capital Loan the right fit for your business cash flow.
Loan up to ₹100 Cr.
Access working capital finance up to ₹100 cr. based on turnover, capital, running obligations and credit profile
Quick Turnaround
Get approval and disbursal within 7 to 10 days of complete document submission.
Flexible Repayment
Choose between term loan, overdraft or revolving credit line structures.
Tenure
Repay over a tenure of 1 to 15 years, matched to your cash cycle.
Collateral
Working capital loans are given in secured, unsecured and hybrid forms for eligible businesses.
Renewable Facility
Renew or top-up your working capital limit as your business needs grow and turnover increases.
Eligibility & Documents
Check if your business qualifies and what paperwork you'll need to keep ready.
Eligibility Criteria
| Business Vintage | Minimum 3 years of business operations |
| Annual Turnover | Minimum 1 Cr. turnover required in latest 12 months |
| Business Type | Proprietorship, Partnership, LLP or Pvt. Ltd. Company |
| Credit Score | 700 and above (business/promoter CIBIL) |
| Banking History | Regular banking transactions for the last 12 months |
| Residency | Business registered and operating within India |
Documents Required
- ✓PAN Card of business & promoters
- ✓Aadhaar / KYC of all partners/directors
- ✓GST registration certificate & latest 12 months GST returns
- ✓Last 12 months bank statements (all Current, OD and CC limit accounts)
- ✓Financials of last 2 years and current year provisional financials
- ✓Business proof (shop act certificate/ Partnership deed/ LLP deed / MOA-AOA)
- ✓Udyam certificate
Interest Rate & Charges
Transparent pricing — no hidden costs, ever.
| Interest Rate | 7.75% – 9.99% p.a. |
| Loan Amount | Up to 100 Cr. |
| Tenure | 1 - 15 years |
| Processing Fee | As per lender policy |
| Pre-payment Charges | Nil if business has Udyam and loan is prepaid from own funds (as per lender policy) |
| Late Payment Charges | 2% per month on overdue EMI (As per lender policy) |
*Final interest rate and charges depend on the partner lender, business profile and banking history.
EMI Calculator
Estimate your monthly EMI instantly — calculated on the server with PHP.
Enter your loan details to calculate your EMI.
Keep Your Business Moving, Without Cash Flow Worries
Apply NowFrequently Asked Questions
Answers to the most common questions about our Working Capital Loan.