Working Capital Term Loan
A fixed-tenure loan for recurring working-capital needs.
- StructureFixed-tenure term loan
- Tenure12 — 60 months
- UseAlongside CC / OD limits
About this product
Why clients choose Viva Capital for WCTL.
A Working Capital Term Loan funds your operating needs as a structured, fixed-EMI loan — useful when you want predictable repayment rather than a revolving limit, or to supplement existing CC/OD facilities.
What we offer
Key features
- Fixed EMI, predictable repayment schedule
- Sits alongside existing CC / OD limits
- Funds inventory build-up, order execution, and expansion
- Secured or unsecured depending on profile
Who can apply
Basic eligibility
- Business operational for 3+ years
- Consistent GST and banking profile
- Positive financials over recent years
Keep ready
Documents required
- Last 3 years audited financials
- Last 12 months banking statements
- GST returns (last 4 quarters)
- KYC of proprietors / directors
A working promise
“A senior advisor reads your file, picks the lender most likely to approve it, and stays with the case until disbursal — even when the first bank says no.”
Our Process
From first conversation —
to disbursal and beyond.
A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.
- 01
Profile Review
Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.
- 02
Bank Matchmaking
We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.
- 03
Documentation
We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.
- 04
Sanction & Support
Funds in your account — and continued assistance after disbursal. We stay with the case.
Trusted by Leading Banks & NBFCs
