Working capital finance in India — limits sized to the operating cycle, not to last year's balance sheet.
Allianzz Networks arranges working capital finance in India for mid-market and growth companies — fund-based and non-fund-based limits sized against the real receivable, inventory and payable cycle, and syndicated across institutional lenders, private credit funds and trade-finance providers where a single limit falls short. Ticket sizes run ₹5 Cr to ₹500+ Cr.
- Ticket size
- ₹5 Cr – ₹500+ Cr
- Typical tenor
- 12 months, renewable; WCDL 3 – 12 months
- Assessment
- Operating cycle and drawing-power method, cross-checked to turnover norms
- Security
- Hypothecation of stock and receivables, collateral, guarantees
- Indicative timeline
- 4 – 10 weeks to sanction
- Geography
- India · GCC · Cross-border
Working Capital Finance — scope of work.
- Operating-cycle analysis and drawing-power sizing across receivables, inventory and creditors
- CMA data preparation, projections and stock-statement discipline for limit sanction and renewal
- Structuring fund-based and non-fund-based limits — cash credit, WCDL, LC, BG, packing credit
- Receivable, invoice and supply-chain finance placed with lenders and credit funds
- Enhancement, renewal, takeover and consolidation of existing limits at improved pricing and margins
- Multiple-lender and consortium arrangements where the requirement exceeds a single provider's appetite
Cash Credit / Overdraft
Revolving limit against stock and book debts, sized to monthly drawing power.
Working Capital Demand Loan
Short-tenor drawdowns for a defined cycle, priced tighter than a revolving limit.
Bill / Invoice Discounting
Early liquidity against approved receivables, with or without recourse.
LC & Independent Guarantees
Non-fund-based limits supporting procurement, performance and contractual obligations.
Supply Chain Finance
Anchor-linked vendor and dealer finance programmes tied to the trade flow.
Export / Packing Credit
Pre- and post-shipment finance aligned to order book and realisation cycle.
Where we take a working capital finance mandate.
Answers before the first call.
What is working capital finance in India?
Working capital finance funds the operating cycle — inventory, receivables and creditors — rather than assets or capex. In India it is usually delivered as a renewable fund-based limit (cash credit, overdraft, WCDL) alongside non-fund-based limits such as letters of credit and guarantees, with the drawable amount governed by monthly drawing power.
How is a working capital limit sized?
Limits are sized on the working capital gap — receivables plus inventory less creditors — with margins applied to each component and drawing power computed monthly against stock and debtor statements. Turnover-based norms are used as a cross-check for smaller limits.
What does working capital finance cost in India?
Pricing is set case by case against credit rating, security cover, account conduct and the lender's appetite for the sector. We run the requirement across multiple providers so the pricing and margin structure are competitively established rather than accepted from an incumbent.
Can working capital be raised without additional collateral?
Often yes, where receivable quality, anchor counterparties or trade flows are strong. Receivable finance, discounting and supply-chain programmes rely primarily on the underlying trade rather than fixed collateral.
Do you help with limit renewals, enhancements and takeovers?
Yes. We prepare the renewal credit file, re-argue the operating cycle, and where appropriate move, enhance or split the limit to secure better pricing and margins. A takeover with enhancement typically runs four to eight weeks.
Who do you work with?
Mid-market and growth companies across India and the GCC with turnover from roughly ₹10 Cr upward, and requirements from ₹5 Cr to ₹500+ Cr. Engagements are partner-led and run under a mutual NCND.
Supporting notes on working capital finance.
Working capital funding in India — the problem, in practice
Why limits fall behind a growing cycle, how drawing power erodes availability, and what an enhancement or takeover involves.
SME funding in India
How credit assessment turns on the working-capital cycle and the quality of the CMA for growing SMEs.
Business loans for companies in India
Term debt versus working-capital limits — matching the instrument to the cash-flow profile.
CMA preparation guide
Building the lender-ready credit file that a working-capital sanction or renewal rests on.