Working Capital Loan
Keep day-to-day operations funded — payroll, inventory, supplier payments — with a credit line sized to your operating cycle, not a one-time lump sum.
For businesses with cash flow gaps between expenses and receivables
If you regularly need to pay suppliers or staff before customer payments come in, a working capital loan smooths that gap without disrupting daily operations.
Do you qualify?
- Stable, demonstrable cash flow over recent months
- GST returns reflecting regular business activity
- Minimum turnover threshold per lender policy
- Existing banking relationship preferred but not mandatory
What you'll need to send
Send these directly on WhatsApp — one by one or all together. We'll let you know what's verified and what's still pending as you go.
- Aadhaar & PAN card
- GST registration & GSTR-3B (last 6 months)
- Bank statements (last 6 months)
- Sales/purchase invoices (recent)
- Income tax returns (last 2 years)
Why apply for this through Ikaya
Matched to your cycle
Repayment structures can align with your typical cash flow rhythm rather than a fixed generic schedule.
Renewable credit lines
Some working capital products renew annually, so you're not reapplying from scratch each time.
Fast disbursal
Because the use case is operational, lenders often process these faster than long-term term loans.
Common questions
What's the difference between a working capital loan and a business loan?
Working capital loans are specifically sized and structured for short-term operational needs, while business loans are often used for broader growth or expansion purposes.
Can I get a revolving credit line instead of a lump sum?
Yes — cash credit and overdraft facilities are available through some of our partner lenders, depending on your eligibility.
Ready to check what you're eligible for?
Send your business details on WhatsApp — get an estimate in minutes.
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