Rate from
15%
Max Amount
₹2 Cr
Tenure
12–48 mo
Processing Fee
2–3% of loan amount
Product Overview
Everything you need to know about this offer
- 1Lendingkart's Working Capital Loan is a working-capital and growth-finance solution for Indian SMEs, traders, manufacturers and self-employed professionals
- 2The product offers collateral-free sanctions up to ₹50 lakh and secured options up to ₹2 crore, with rates from 15% p.a
- 3on a reducing balance
- 4Eligibility is assessed using GST returns, banking data and ITR, so businesses with clean 2-year vintage and ₹40 lakh+ turnover can typically expect in-principle approval within 48 hours
- 5Repayment can be structured as monthly EMI, daily-debit or flexible bullet, depending on cash-flow cycles
- 6End-use is unrestricted within business purposes - buy inventory, expand premises, hire, fund receivables, refinance high-cost debt or invest in equipment
- 7Through DhanLift you receive parallel decisions from 15+ lenders without filling separate forms, so you only sign with the partner offering the lowest APR, lightest covenants and the fastest disbursal
- 8Pricing, fees and prepayment terms are disclosed transparently on each offer card before you commit
Interest / Features
Offer-level pricing, fees, and core features
Interest range
15% – 27%
Reducing balance rate, profile dependent.
Loan amount
₹1L – ₹2 Cr
Available amount range for this offer.
Tenure
12–48 mo
Choose repayment based on EMI comfort.
Processing fee
2–3% of loan amount
Foreclosure
4% of outstanding (Nil after 12 EMIs)
Collateral-free up to ₹50 lakh
GST + banking based instant eligibility
EMI, daily or weekly repayment options
Top-up after 6 clean EMIs
Key Benefits
Why thousands choose this specific product
- Collateral-free up to ₹50 lakh
- GST + banking based instant eligibility
- EMI, daily or weekly repayment options
- Top-up after 6 clean EMIs
- Sanction in 48 hours
- Dedicated relationship manager
Eligibility Criteria
Check if you qualify before applying
Business vintage 2+ years
Annual turnover ₹40 lakh+
GST registered with 12 months of returns
Profitable in last 2 financial years
Owner aged 25–65 with CIBIL 700+
Documents Required
Keep these ready to speed up your application
PAN of business & proprietor
Aadhaar of proprietor
Business registration / Udyam
Last 12 months bank statement
GST returns (12 months)
Last 2 years ITR with computation
No credit score impact
Interest Rate & Fees
Transparent pricing, no hidden charges
| Interest rate | 15% – 27% p.a. (reducing) |
| Processing fee | 2–3% of loan amount |
| Foreclosure | 4% of outstanding (Nil after 12 EMIs) |
| Part-prepayment | Allowed up to 25% per year, no charges |
| Stamp duty | As per state law |
| Late payment penalty | 2% per month on overdue |
| GST | 18% on all fees |
* Rates and fees indicative; final pricing depends on credit assessment. All charges exclude GST unless mentioned.
Working Capital Loan EMI Calculator
Estimate your monthly payments instantly
₹5,00,000
16.50 %
36 mo
Principal vs interest22% interest share
PrincipalInterest
Monthly EMI
₹17,702
Total interest
₹1,37,279
Total payable
₹6,37,279
Indicative only. Actual EMI depends on lender pricing, processing fees, and your credit profile.
Our Promise
Why Apply Via DhanLift?
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Transparent comparison
Frequently Asked Questions
Quick answers before you apply
No. Sanctions up to ₹50 lakh are fully unsecured. Larger ticket sizes (₹50L–₹2Cr) may require property or stock as security.
₹40 lakh+ annual turnover with 2 years of profitable, GST-registered operations is the typical bar.
In-principle in 30 minutes via GST+banking pull; full disbursal in 48–72 hours after e-sign.
Lenders prefer 2+ years vintage. Some NBFC partners fund 1-year-old GST-registered firms with strong banking.
On reducing-balance interest. Use the calculator above to see exact EMI for your amount, rate and tenure.
Part-prepayment up to 25% per year is free. Full foreclosure attracts 4% of outstanding, waived after 12 EMIs.
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