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  • Home
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    • Loan Against Property
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Fuel Your Business Needs—Working Capital Overview

  •  Loan Amount: ₹25 Lakh – ₹100 Cr
  •  Interest from 8.75% p.a. 
  • Zero Collateral 
  • Minimum documentation 


Apply working capital

Working Capital (T*C Apply )

Working Capital (T*C Apply )

Working Capital (T*C Apply )

Working Capital (T*C Apply )

Working Capital (T*C Apply )

Working Capital (T*C Apply )

#

50+ MSME

#

₹150 Cr+ Disbursed

Key benefits

Business Growth

Access funds to expand operations, purchase inventory, or invest in new opportunities.




Financial Flexibility

Maintain smooth business operations during seasonal fluctuations or unexpected expenses or in times of scrunity of the business 

Relaxed qualification standards

• CIBIL ≥ 600 accepted, down from the traditional 720.
• Collateral waived; only 12 months’ bank statements and the latest GST return are required.
• Turnover threshold lowered; businesses operating for as little as one year qualify.
• Digital submission and e-sanction deliver funds to the account in 24–48 hours.

Eligibility and Document Criteria

An company

 

Documents


  • Registered business entity with a minimum 2-year 
  •  Annual Turnover should be above ₹50 lakh.
  •  Constitution: Proprietorship, Partnership, Pvt. Ltd., LLP, MSME  
  •  Vintage  2–3 years 
  •  GST Returns: Last 12 months filed


An client

 

Eligibility 


  •  Age: 23–65 years old 
  • Recommended  Credit Score (CIBIL/Experian) ≥ 700 
  •  Recent Defaults: 0 in the last 24 months at least.
  • Residence Stability: Same address ≥ 12 months 

DETAILED DOCUMENTATION CHECKLIST

GST Registration Certificate & GSTR-3B for last Fiscal year

Latest 3 years' income tax returns, computation & P&L, Balance Sheet

Latest 3 years' income tax returns, computation & P&L, Balance Sheet

Latest 3 years' income tax returns, computation & P&L, Balance Sheet

Latest 3 years' income tax returns, computation & P&L, Balance Sheet

Latest 3 years' income tax returns, computation & P&L, Balance Sheet

Bank Statements (PDF) – Current Account & CC/OD for last 12 months

Latest 3 years' income tax returns, computation & P&L, Balance Sheet

Bank Statements (PDF) – Current Account & CC/OD for last 12 months

KYC Pack – PAN, Aadhaar, Address proof of all partners/directors

KYC Pack – PAN, Aadhaar, Address proof of all partners/directors

Bank Statements (PDF) – Current Account & CC/OD for last 12 months

Business Address Proof – Latest utility bill / rent agreement

KYC Pack – PAN, Aadhaar, Address proof of all partners/directors

Business Address Proof – Latest utility bill / rent agreement

Still thinking about your working capital loan? Contact us below for tailored solutions. 

Get A Quote

How It Processes

Get A Quote

Document Submission

Document Submission

Complete our simple application process. 

Document Submission

Document Submission

Document Submission

Submit required documents. For faster and effective process flow  

Approval

Document Submission

Funds Disbursal

Receive the decision ASAP; on average it takes 5-15 business days.

Funds Disbursal

Document Submission

Funds Disbursal

Enjoy! The Disbursed Cash 

EMI CALCULATOR

Calculate

Frequently Asked Questions

 A Direct Selling Agent (DSA) is an official referral partner of banks and NBFCs. We collect your documents, match you with the lender most likely to approve, and track your file till disbursal 

RS Finance is a recognized DSA associated with different Banks and NBFCs. Get a quote or fill forms to get faster and best-tailored solutions  ASAP  

Although the recommended CIBIL score is ≥ 700, we can still offer tailored solutions. If your CIBIL score is at least ≥ 650

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