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Hiranandani Financial Services Pvt. Ltd.

Loans for
Working Capital
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  • Collateral free loan
  • Longer tenure loan, easy repayment
  • No guarantor required

Working Capital Loans

 

Every business requires capital. Working capital is essential to ensure the smooth functioning of any business. A working capital loan helps you to manage your day-to-day business operations or make necessary upgrades to sustain your business. Applying for a working capital loan with HFS is very convenient. Based on the eligibility criteria, funds are disbursed quickly. Let's explore their benefits and find out how you can customize it as per your needs.

 

Uses of working capital loans:

Increasing your production
by investing in
more raw materials

Fulfilment of new
business orders

Stock up your
inventory

Pay for electricity, water,
salaries and other
overheads

Unforeseen
expenses

Why the HFS working capital loan is ideal for your business:

Easy and quick processing

Applying for a working capital loan at HFS is a 3-step easy process. Simply call us at your doorstep, apply for a loan, get quick loan approval and receive the necessary funds in your account!

Flexible tenure

The flexible tenure for smart loans or a working capital loans ranges from 12 to 36 months. At HFS, you get the flexibility to choose the type of loan and tenure, depending upon your needs.

Collateral/ guarantee free loans

Yes, it's unbelievable, right! We believe that taking a loan should not hinder your chances of business growth and success. Our smart working capital loans are collateral/guarantor-free!

A simple 3 step procedure:

With our balance transfer facility, now you can manage your high-cost debts by bidding them
goodbye with our secured working capital loans!

Loan in 3 easy steps

Step 1 Step 1 Call us at
your doorstep
Step 2 Step 2 Quick loan
approvals
Step 3 Step 3 Get funds in
your account
Smart Business Loan
  • Loans up to 25 Lakhs
  • Tenure ranging from 12 to 36 months
  • No guarantor/security required
  • Convenience of doorstep service
  • Attractive Rate of Interest
  • Minimum & Hassle-free Documentation
Secured Business Loan
  • Loan up to 2 Crore
  • Loan up to 70% of the market value of the property
  • Attractive interest rates
  • Simple and speedy processing
  • Balance transfer facility - Lets you retire your high-cost debt
  • Minimum Loan Amount: 1 Lac

Self-employed (Individuals)

 

  Self-Employed (Individuals) include self-employed - Sole proprietors, Partners & Directors in firms in the Business of Manufacturing, Trading or Services.

Documents required:

  • Proof of Identity: Passport / Voters ID / Driving License / PAN Card / Aadhar Card
  • Address Proof: Driving License / Voter ID / Utility Bill (Latest 2 months) / Registered Rental Agreement / Passport
  • Bank Statements: Latest 6 Months' bank statements / 6 months’ bank passbook
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 years certified by a CA
  • Business Continuity Proof: Shops and Establishment License / GST Registration Certificate / VAT Returns / Sales Tax Returns
  • Other Documents: Certified copy of Partnership Deed, Certified copy of MOA / AOA.

Additional Document Required:

  • Only for secured Business loan - Copy of all property documents

Private Limited Cos and Partnership Firms

  Private Limited Cos and Partnership Firms engaged in the Business of Manufacturing, Trading or Services

Documents required:

  • ID / Business Continuity Proof: PAN Card / S&E License / Tax Returns / Utility Bill
  • Address Proof: Utility Bill (Latest 2 months) / Registered Rental Agreement
  • Bank Statements: Latest 6 months' bank statements / 6 months’ bank passbook
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 years certified by a CA
  • Other Documents: Certified copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association

Additional Document Required:

  • Only for secured Business loan - Copy of all property documents

Self-employed (Professionals)

  Self-Employed (Professionals) include self - employed Doctors, Chartered Accountants & Architects.

Documents required:

  • ID Proof: Passport / Voters ID / Driving License / PAN Card / Aadhar Card
  • Address Proof: Driving License / Voter ID / Utility Bill (Latest 2 months) / Registered Rental Agreement / Passport
  • Bank Statements: Latest 12 months' bank statements / 12 months’ bank passbook
  • Latest ITR along with computation of income, B/S & P&L A/c for the last 2 years certified by a CA

Additional Document Required:

  • Only for secured Business loan - Copy of all property documents

Self-employed (Individuals)

  Self-Employed (Individuals) include self-employed - Sole proprietors, Partners & Directors of firms in the Business of Manufacturing, Trading or Services.

  • Minimum age of Applicant: 21 years
  • Years in business: Minimum 3 years
  • Minimum Annual Income: ₹ 1,00,000/- p.a. for Metro locations & ₹ 75,000 p.a. for Non-Metro locations.

Private Limited Cos and Partnership Firms

  Private Limited Cos and Partnership Firms engaged in the Business of Manufacturing, Trading or Services

  • Years in business: Minimum 3 years
  • Minimum Annual Income: ₹ 1,00,000/- p.a. for Metro Locations & ₹ 75,000/- p.a. for non-metro locations.
  • Business must be profit making for the last 2 years

Self-employed (Professionals)

  Self-Employed (Professionals) include self - employed Doctors, Chartered Accountants & Architects.

  • Minimum age of applicant: 21 years
  • Years in business: Minimum 3 years
  • Minimum Annual Income: ₹ 1,00,000 p.a. for Metro locations & ₹ 75,000 p.a. for other locations.