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Hiranandani Financial Services Pvt. Ltd.

Loans for
Working Capital
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  • Collateral free loan
  • Longer tenure loan, easy repayment
  • No guarantor required

Working Capital Loans

 

Every business requires capital. Working capital is essential to ensure the smooth functioning of any business. A working capital loan helps you to manage your day-to-day business operations or make necessary upgrades to sustain your business. Applying for a working capital loan with HFS is very convenient. Based on the eligibility criteria, funds are disbursed quickly. Let's explore their benefits and find out how you can customize it as per your needs.

A working capital loan gives you the power to invest and stock more raw material. It can also boost your capabilities to complete all the business orders and seek new ones. You can easily cater to the new orders as a working capital loan helps you to stock enough inventory at market price and aim for higher revenues. Apart from that, it helps you maintain enough balance to pay overheads, manage business operations and mitigate unexpected expenses.

 

Uses of working capital loans:

Increasing your production
by investing in
more raw materials

Fulfilment of new
business orders

Stock up your
inventory

Pay for electricity, water,
salaries and other
overheads

Unforeseen
expenses

Why the HFS working capital loan is ideal for your business:

Easy and quick processing

Applying for a working capital loan at HFS is a 3-step easy process. Simply call us at your doorstep, apply for a loan, get quick loan approval and receive the necessary funds in your account!

Flexible tenure

The flexible tenure for smart loans or a working capital loans ranges from 12 to 36 months. At HFS, you get the flexibility to choose the type of loan and tenure, depending upon your needs.

Collateral/ guarantee free loans

Yes, it's unbelievable, right! We believe that taking a loan should not hinder your chances of business growth and success. Our smart working capital loans are collateral/guarantor-free!

A simple 3 step procedure:

With our balance transfer facility, now you can manage your high-cost debts by bidding them
goodbye with our secured working capital loans!

Loan in 3 easy steps

Step 1 Step 1 Call us at
your doorstep
Step 2 Step 2 Quick loan
approvals
Step 3 Step 3 Get funds in
your account
Smart Business Loan
  • Loans up to 25 Lakhs

Now get working capital loan for MSME worth up to Rs. 25 Lakhs and expand your business operations.

  • Tenure ranging from 12 to 36 months

Choose a flexible tenure ranging from 12 to 36 months as per your need. Achieve your business goals with our smart working capital loans worry-free.

  • No guarantor/security required

Your assets are safe. No need of putting up your assets or properties as mortgage or having a guarantor for your working capital loan.

  • Convenience of doorstep service

Your working capital loan is just a click away! Apply online and our executives will be more than happy to assist you at your doorstep.

  • Attractive Rate of Interest

HFS offers business working capital loans at the best and most attractive rate of interest. So be assured that you are getting the best value offer in town.

  • Minimum & Hassle-free Documentation

Say goodbye to cumbersome documentation processes. Apply for your working capital financing with HFS with minimum documentation. The approval process is totally hassle-free and fast.

Secured Business Loan
  • Loan up to 2 Crore

You can get a secured business loan at HFS worth up to Rs. 2 Crore if you have the required collateral to back the loan 

  • Loan up to 70% of the market value of the property

You are eligible to get a loan amount of up to 70% of the property’s market value. The business loan will be disbursed once the property is thoroughly evaluated.

  • Attractive interest rates

Get the funds you are looking for to grow your business at reasonable interest rates, depending on the loan amount and tenure. 

  • Simple and speedy processing

The process for a secured business loan from application to disbursement is simple, hassle-free and fast, giving you peace of mind. 

  • Balance transfer facility - Lets you retire your high-cost debt

At any point in time, when you feel that you want to retire your high-cost debt, you can simply transfer the balance and relieve yourself from the EMIs.

  • Minimum Loan Amount: 1 Lac

HFS offers you the flexibility to apply for your secured business loan, with a minimum amount of Rs 1 Lakh.

Self-employed (Individuals)

 

  Self-Employed (Individuals) include self-employed - Sole proprietors, Partners & Directors in firms in the Business of Manufacturing, Trading or Services.

Documents required:

  • Proof of Identity: Passport / Voters ID / Driving License / PAN Card / Aadhar Card
  • Address Proof: Driving License / Voter ID / Utility Bill (Latest 2 months) / Registered Rental Agreement / Passport
  • Bank Statements: Latest 6 Months' bank statements / 6 months’ bank passbook
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 years certified by a CA
  • Business Continuity Proof: Shops and Establishment License / GST Registration Certificate / VAT Returns / Sales Tax Returns
  • Other Documents: Certified copy of Partnership Deed, Certified copy of MOA / AOA.

Additional Document Required:

  • Only for secured Business loan - Copy of all property documents

Private Limited Cos and Partnership Firms

  Private Limited Cos and Partnership Firms engaged in the Business of Manufacturing, Trading or Services

Documents required:

  • ID / Business Continuity Proof: PAN Card / S&E License / Tax Returns / Utility Bill
  • Address Proof: Utility Bill (Latest 2 months) / Registered Rental Agreement
  • Bank Statements: Latest 6 months' bank statements / 6 months’ bank passbook
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 years certified by a CA
  • Other Documents: Certified copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association

Additional Document Required:

  • Only for secured Business loan - Copy of all property documents

Self-employed (Professionals)

  Self-Employed (Professionals) include self - employed Doctors, Chartered Accountants & Architects.

Documents required:

  • ID Proof: Passport / Voters ID / Driving License / PAN Card / Aadhar Card
  • Address Proof: Driving License / Voter ID / Utility Bill (Latest 2 months) / Registered Rental Agreement / Passport
  • Bank Statements: Latest 12 months' bank statements / 12 months’ bank passbook
  • Latest ITR along with computation of income, B/S & P&L A/c for the last 2 years certified by a CA

Additional Document Required:

  • Only for secured Business loan - Copy of all property documents

Self-employed (Individuals)

  Self-Employed (Individuals) include self-employed - Sole proprietors, Partners & Directors of firms in the Business of Manufacturing, Trading or Services.

  • Minimum age of Applicant: 21 years
  • Years in business: Minimum 3 years
  • Minimum Annual Income: ₹ 2,00,000/- p.a.

Private Limited Cos and Partnership Firms

  Private Limited Cos and Partnership Firms engaged in the Business of Manufacturing, Trading or Services

  • Years in business: Minimum 3 years
  • Minimum Annual Income: ₹ 2,00,000/- p.a.
  • Business must be profit making for the last 2 years

Self-employed (Professionals)

  Self-Employed (Professionals) include self - employed Doctors, Chartered Accountants & Architects.

  • Minimum age of applicant: 21 years
  • Years in business: Minimum 3 years
  • Minimum Annual Income: ₹ 2,00,000 p.a.