Working Capital
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₹500+ Cr
Loans Disbursed
50+
Banking Partners
500+
Happy Families
25+ Years
of Excellence
Keep Your Business Operating at Its Full Potential.
For manufacturing companies, trading firms, and SMEs, Aadhya Financial Consultancy helps structure and facilitate working capital solutions through the most suitable banking and institutional channels. We focus on identifying the right facility structure for your business needs while ensuring smooth execution from assessment to final disbursement.
Working Capital Eligibility
Working capital finance eligibility is assessed based on the business credit profile, financial stability, turnover, and overall working capital requirement. We work with manufacturing companies, trading firms, and SMEs with established operations and documented financials, helping them identify suitable working capital solutions based on their business profile.
Age
- Applicants must be between 21–65 years at loan maturity.
- Salaried: 21–58 years
- Self-Employed: 25–65 years
Income
- Salaried Person – Minimum Rs. 10,000 per month
- Self-Employed Person—Minimum Rs. 2,00,000 per year
Employment
- Salaried: 2–3 years experience
- Self-Employed: 3+ years experience
Working Capital Types
CGTMSE — Government-Backed Credit for SMEs
The Credit Guarantee Fund Trust for Micro and Small Enterprises enables eligible SMEs to access institutional credit support under government-backed programs. We guide businesses on eligibility, lender selection, and the complete process from application to sanction within the CGTMSE framework.
Sales Bill Discounting
Provides liquidity against verified receivables by converting outstanding invoices into working capital, helping businesses maintain cash flow without waiting for payment cycles. Ideal for businesses with regular invoicing and creditworthy buyers.
Purchase Bill Discounting
Enables businesses to manage supplier payments efficiently by improving cash flow flexibility. This structure supports smoother procurement cycles without disrupting existing financial planning.
| A | Sr.No. | Mandatory Documents | ||
|---|---|---|---|---|
| 1 | PAN Card or Form 60 (If the customer does not have a PAN Card) | |||
| B | Sr.No. | Description of Officially Valid Documents (OVD) | Identity Proof | Address Proof |
| 1 | Passport, the validity of which has not expired. | ✔ | ✔ | |
| 2 | Driving license which has not expired. | ✔ | ✔ | |
| 3 | Election /Voters identification card | ✔ | ||
| 4 | Job card issued by NREGA | ✔ | ||
| 5 | Letter issued by the National Population Register | |||
| 6 | Proof of possession of Aadhaar Number | ✔ | ✔ |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Last 3 months’ Salary Slips | |||
| Last 6 months’ Bank Statements, showing salary credits | |||
| Latest Form-16 and IT returns | |||
| Income Tax Returns along with computation of income for at least the last 2 Assessment Years (of both the individual and the business entity and attested by a CA) | |||
| At least last 2 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA) | |||
| Last 12 months’ Current A/c Statements of the business entity and Savings Account Statements of the individual |
For Purchase of a New Home
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Copy of the Allotment Letter / Buyer Agreement | |||
| Receipt/(s) of payment/(s) made to the developer |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Own Contribution Proof | |||
| Employment Contract / Appointment Letter in case current employment is less than year old | |||
| Last 6 months’ Bank Statements showing repayment of any ongoing loans | |||
| Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across. | |||
| Cheque for processing fee favouring HDFC Bank | |||
| Business Profile | |||
| Latest Form 26 AS | |||
| List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company | |||
| Memorandum and Articles of Association of the Company | |||
| Partnership deed in case of the business entity being a partnership firm | |||
| Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc. | ✔ | ✔ |
Documents for Working Capital Application
Working capital finance applicants typically require ITR for 2–3 years, audited financial statements, GST returns, bank statements, debtor and creditor ageing reports, and business registration documents. For supply chain finance structures, buyer or supplier details and invoice records may also be required. Aadhya Financial Consultancy provides complete guidance on documentation and ensures the application is accurately structured before submission.
Working Capital Calculator
Use our Working Capital Finance Calculator to estimate your financing requirements and plan your business cash flow effectively. Enter your facility requirement, indicative structure, and tenure preference to understand your financial planning better before initiating the application process.
Structure Your Working Capital the Right Way.
Speak with Aadhya Financial Consultancy about your business operations and funding requirements. We will assess your profile, identify suitable working capital solutions, and connect you with the most appropriate institutional partners for a smooth and structured financing experience.
