Working capital fills short-term gaps — inventory, receivables, seasonal cash crunch. Term loans fund assets and expansion with fixed repayment over years.
MSMEs in manufacturing and trading often need both: OD for stock cycles and term loan for new equipment. Lenders assess each facility separately.
Mixing them wrong increases cost. We analyse your cash-flow cycle and suggest CC/OD, term loan, or machinery finance accordingly. Term loan options.
Comments (3)
Rajesh M.
Very clear explanation — I was about to apply at three banks the same week. Will check CIBIL first and speak to Prarvi before submitting.
Anita Shah
The document checklist for business loan saved us two round trips to the branch. Helpful for MSME owners in Gujarat.
Karan Patel
Good read. Would love a follow-up on how balance transfer works with top-up in the same application.