Working Capital

Working Capital Loan in Coimbatore

Keep your business running smoothly with flexible working capital facilities. OD, CC, and DLOD options with interest charged only on the utilized amount.

15+
Years Experience
500+
Loans Disbursed
₹5 Crore
Collateral-Free Limit
48 hours
Avg. Approval Time

About Working Capital Loan in Coimbatore

Working capital is the lifeblood of any business. A working capital loan ensures your business has the liquidity needed for day-to-day operations — purchasing inventory, paying salaries, managing cash flow gaps, and meeting short-term obligations.

At Universes, we offer three types of working capital facilities — Overdraft (OD), Cash Credit (CC), and Demand Loan cum Overdraft (DLOD) — each designed for different business needs. The key advantage is that you pay interest only on the amount utilized, not on the entire sanctioned limit.

Our team works with you to understand your business cycle and recommends the optimal working capital structure. We have relationships with 15+ banks and NBFCs to get you the best terms.

Benefits & Features

Interest charged only on utilized amount
Revolving credit — repay and reborrow
Flexible limit based on business needs
Multiple facility options (OD, CC, DLOD)
Competitive interest rates from 11% p.a.
Quick sanction and disbursement
Annual review and renewal facility
No prepayment penalty

Eligibility & Documents Required

Eligibility Criteria

  • MSMEs, traders, manufacturers, and service providers
  • Minimum 2 years of business operations
  • Minimum annual turnover as per lender norms
  • Good credit score (650+)
  • Business should have positive cash flow
  • Clean repayment track record

Documents Required

  • KYC documents (Aadhaar, PAN)
  • Business registration (GST, Trade License)
  • Last 2 years ITR
  • Last 6 months bank statements
  • Financial statements (P&L, Balance Sheet)
  • Stock statements (for CC facility)
  • Debtors and creditors details
  • Passport-size photographs

Interest Rates & Loan Details

Loan Type
Interest Rate
Max Tenure
Max Amount
Overdraft (OD)
11% onwards
Annual Renewal
Up to ₹1 Crore
Cash Credit (CC)
11% onwards
Annual Renewal
Up to ₹1 Crore
DLOD
11.5% onwards
Annual Renewal
Up to ₹50 Lakh

*Interest rates are indicative and may vary based on profile, credit score, and lender terms.

Frequently Asked Questions

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