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Running a business in India isn’t easy.
Every Indian business faces financial challenges, highs and lows. This includes your local kirana store in Pune to a growing textile unit in Surat. Cash flow challenges are real, and they affect your business. They involve paying suppliers on time, stocking up for Diwali, or bridging the gap between invoice and payment.
If you agree on a single point, you may need a working capital loan. It’s a smart choice for your business.
Let’s explore the most common scenarios when businesses should consider a working capital loan. Know how Instalment Express makes it easy for every business in India to get the help they need.
A working capital loan is a short-term business loan designed to help you manage your day-to-day operational expenses, like:
Unlike long-term business loans meant for expansion, these loans are focused on keeping your business steady and smooth in the short run.
Most businesses in India rely on business loans, such as- operating loans, cash flow loans, and seasonal financing to overcome regular difficulties.
As a report– The working-capital requirement can rise by 28 per cent to Rs 11.2 lakh crore in FY23, compared to Rs 8.7 lakh crore in FY22.
Such working capital loans can be secured or unsecured, depending upon your credit profile. Most lenders check your CIBIL score when providing you with a loan. But at Instalment Express, we proceed with the loan with minimal paperwork and approve faster compared to other long-term financing options. Many Indian MSMEs prefer them because they’re designed for everyday needs and offer flexible repayment options.
If you’re running a festive wholesale and retail business (like Diwali, Rakhi, Navratri or Holi), your demand spikes rapidly. In such situations you may need extra funds to stock up on materials to meet the needs of customers and retailers and to hire temporary staff. However, it is more likely that customer or retailer payments will be delayed.
A seasonal finance solution like a working capital loan can help you overcome a problem in no time and offer a flexible repayment option.
Late payments are a common concern for MSMEs in India. Every company operates within a specific repayment cycle, i.e., 30-60 days. However, most retailers and buyers often delay payments. In such cases, a cash flow loan helps your business bridge the gap to run without interruptions.
While running a business, one often gets triggered by an unexpected or sudden drop in cash flow.
For the above instances a working capital loan acts as a buffer fund instead of using emergency funds.
Sometimes, suppliers offer huge discounts for bulk orders, but if you don’t have enough cash flow, you might miss the opportunity to earn a good amount of money. However, with a short-term working capital loan, your business can boost your business growth without depleting cash reserves.
Even successful businesses experience an off-peak period, with a slowdown in their operations. Whether you’re running an online store, a specialty store, or a physical store such as a grocery, clothing, electronics or service providing business. A specific period hits the business downturn.
According to SCORE, 82% of small businesses fail due to cash flow problems.
Example: A wedding photographer during the monsoon or a travel agency in the off-season, or an unusual period like- COVID, made the business suffer a lot with no cash flow.
Keep the business operations running smoothly during uncertain times.
At Instalment Express, we help every Indian business get timely, flexible working capital loans. Whether you’re a:
…we offer you a loan personalized for real-time business needs.
Apply for a working capital loan today with Instalment Express and get:
Apply now or speak our loan experts now, to power your business forward.
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