Working Capital Loan
If you’re looking for the best working capital loan lenders in India for 2025, here are some of the top lenders that offer flexible solutions to help keep your business on track.
1. My Mudra
My Mudra is one of the leading private sector banks in India, and it offers various working capital loan options, including overdraft facilities, term loans, and cash credit. With their quick processing and minimal documentation requirements, My Mudra is a preferred choice for many businesses.
The bank offers loans of up to ₹50 lakhs, with competitive interest rates and flexible repayment terms.
What makes My Mudra stand out is its range of digital tools that allow businesses to track their loan status and repayment schedules easily. They also offer a Business Credit Card, which can help with working capital needs on a short-term basis.
Why choose My Mudra?
- Easy access to funds
- Flexible loan options
- Reliable customer support
2. ICICI Bank
ICICI Bank is another giant in the Indian banking sector, providing various financing options for businesses, including working capital loans.
They offer term loans, working capital lines of credit, and trade finance solutions to help businesses manage their operations smoothly.
ICICI Bank’s working capital loans range from ₹10,000 to ₹50 crores, with quick approval and disbursement.
ICICI’s special focus on digital banking ensures businesses can apply for loans, track their status, and manage repayments all online. The bank’s flexible terms, competitive interest rates, and business-oriented solutions make it an excellent option for working capital needs.
Why choose ICICI Bank?
- Quick loan processing
- Competitive interest rates
- Digital banking for ease of management
3. Bajaj Finserv
Bajaj Finserv has emerged as one of the top non-banking financial companies (NBFCs) providing working capital loans in India.
They offer unsecured working capital loans with amounts ranging from ₹1 lakh to ₹35 lakh, making them a viable option for both small and medium-sized businesses.
Bajaj Finserv provides flexible repayment options with tenures ranging from 12 to 60 months, allowing businesses to manage cash flow effectively.
Bajaj Finserv’s quick online loan application process and minimal documentation requirements make it easier for businesses to access funds.
Plus, their loans come with competitive interest rates, making them an attractive option for business owners.
Why choose Bajaj Finserv?
- No collateral required
- Quick disbursement
- Flexible repayment options
4. Axis Bank
Axis Bank is another prominent player in the Indian banking sector offering working capital loans to businesses. The bank provides customized working capital solutions, including term loans, overdraft facilities, and cash credit, based on business requirements.
Axis Bank also offers working capital loans with minimal paperwork, quick processing, and the option to borrow up to ₹20 crores, depending on the business’s financial health.
One of the standout features of Axis Bank is its specialized lending for different industries, such as manufacturing, retail, and hospitality. This enables them to offer tailored solutions based on the specific needs of the sector.
Why choose Axis Bank?
- Industry-specific loan options
- Minimal documentation
- Flexible loan amounts
5. Capital Float
Capital Float, one of India’s leading fintech lenders, has gained popularity for its digital-first approach to lending.
They offer working capital loans, invoice financing, and lines of credit to small and medium businesses, with loans ranging from ₹1 lakh to ₹2 crores.
Capital Float provides fast disbursement, often within 3-5 days, and offers a simple, paperless application process.
Capital Float is known for its flexibility, as businesses can choose their repayment schedule and adjust loan amounts based on evolving cash flow needs. They also offer post-disbursement monitoring to ensure businesses stay on track.
Why choose Capital Float?
- Fast online processing
- Flexible loan options and repayment terms
- Digital-first approach
6. Lendbox
Lendbox is an innovative peer-to-peer (P2P) lending platform that connects borrowers with individual lenders. Businesses can apply for working capital loans ranging from ₹50,000 to ₹10 lakhs, with attractive interest rates and flexible repayment terms.
Lendbox’s model eliminates the need for intermediaries, allowing borrowers to access funds more quickly and at lower costs.
The platform’s transparent loan process, where businesses can view the terms, rates, and lender profiles, adds a level of security and trust.
Why choose Lendbox?
- Lower interest rates
- P2P lending model for faster approvals
- Flexible loan terms
Final Thoughts
In 2025, businesses in India have a wide range of options for securing working capital loans. Whether you’re looking for a traditional bank loan or a digital-first solution, lenders like My Mudra, ICICI Bank, Bajaj Finserv, Axis Bank, Capital Float, and Lendbox offer competitive solutions to meet the diverse needs of businesses.
By comparing loan terms, interest rates, and repayment flexibility, you can make an informed decision to keep your business running smoothly and seize new growth opportunities.
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