Working Capital Finance
Funding designed to bridge operating cycles, manage inventory, support receivables and maintain healthy business liquidity.
Who it is for
Manufacturers, traders, distributors and service businesses whose cash is regularly tied in stock, debtors or uneven collections — and who need facilities sized to the cycle, not to a headline amount.
Typical business requirements
- Seasonal or elongated inventory holding
- Receivables stretching beyond supplier credit
- Growth in turnover that outpaces internal accruals
- Need to regularise or right-size existing limits
How the solution works
We map the operating cycle, existing limits and security, then help frame a facility that lenders can underwrite — cash credit, overdraft, or other working-capital structures as appropriate. Terms remain subject to the lender.
Key considerations
- Purpose of funds must match a short-term cycle
- Drawing power and stock/debtor quality matter
- GST and banking should support the stated turnover
- Pricing and limits are lender decisions
Documentation overview
- KYC, business constitution and registrations
- GST returns and banking statements
- Financials and ITRs, as applicable
- Stock, debtors and existing facility details
Exact lists vary by lender and facility. This is an overview, not a checklist that guarantees processing.
Nexterra's role
We help you articulate the requirement in credit language, organise information, and coordinate with relevant lending institutions. We do not lend, and we do not decide sanction.
FAQ
Is working capital the same as a term loan?
No. Working capital typically supports the operating cycle. Term loans usually fund longer-life investments.
Does Nexterra sanction working capital?
No. Sanction and disbursement remain with lending institutions after credit assessment.
What do lenders typically review?
GST, banking, financials, existing facilities and the operating cycle — among other lender-specific factors.