Business & Working Capital Loans in India
Working capital and term loan facilitation for Indian businesses and NRI-owned enterprises — matched to lenders, prepared to their checklist.
Last updated · Provided by Blueberry, India
What we do
What Blueberry does for Business & Working Capital Loans
Facility types
- Cash credit (CC): revolving limit against stock and debtors
- Overdraft (OD): withdraw beyond balance up to a sanctioned limit
- Invoice / bill discounting: cash against outstanding invoices
- Short-term working capital loan: lump sum, fixed EMI
Other loans
- MSME loans (CGTMSE, MUDRA)
- Startup loans
- Equipment financing
- Loan against property
Who it is for
Who uses Business & Working Capital Loans
- Indian MSMEs and traders
- NRI-owned businesses in India
- Exporters needing pre- or post-shipment finance
Process
How it works
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Business profile
Turnover, vintage, existing loans and the amount you need.
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Facility match
We recommend CC, OD, discounting or a term loan.
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Application
We prepare the file and route it to suitable lenders.
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Sanction
The lender decides; we help with queries.
Requirements
What to have ready
- Business operational for 1–2 years
- Annual turnover around ₹25 lakh or more (varies by lender)
- GST returns filed regularly
- CIBIL score of 650+ preferred
- Bank statements and financials
Typical lender criteria as published on the current site. Each lender sets its own.
Geographic coverage
Where this service is available
Businesses operating in India.
See all markets we serve →Blueberry is a loan facilitation intermediary. It is not a bank, NBFC or RBI-registered lender. Approval, rates and terms are decided by the lending institution; approval is not guaranteed. Trust Centre
FAQ
Questions about Business & Working Capital Loans
What is the difference between cash credit and overdraft?
Cash credit is a revolving limit secured against stock and receivables; interest is paid only on the amount used. An overdraft lets you withdraw beyond your account balance up to a sanctioned limit.
What do lenders usually look for?
Typically one to two years of operations, regular GST filings, a credit score of around 650 or above, and turnover that fits the requested limit. Each lender sets its own criteria.
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Get started
Request Finance Assistance
Three short steps. A specialist for Business & Working Capital Loans replies by email, phone or WhatsApp.
+91 94447 84701