Working Capital Finance

Overview

Liquidity for the gap between invoice and payment.

Working capital finance solves a specific problem: the lag between when you pay suppliers and when your customers pay you. A well-structured facility — the right mix of cash credit, overdraft and bill discounting — smooths that gap without locking you into long-term debt.

We evaluate your sales pattern, debtor cycle and seasonal peaks, then structure a facility that flexes with you. And we stay on the renewal calendar so limits keep pace with your growth.

Talk to an Advisor

Key Features

Why Working Capital Finance With SHF

Cash Credit / OD

Limits you can draw from and repay into — pay interest only on utilised amount, not sanctioned limit.

Bill Discounting

Discount your customer invoices with the lender — receivables become cash immediately.

Short-Term Loans

6–12 month bullet or EMI loans to cover seasonal peaks, inventory buildup or bridge gaps.

Growth Capital

Scale-up working capital as your turnover grows — annual renewal with upward revision when earned.

Structured Correctly

Right mix of CC, OD, LC and BG so you aren't over-paying for unused limits or under-provisioning.

Renewal Accountability

We stay with you through annual review — documentation, limit-enhancement and renegotiation.

FAQs

Commonly Asked

Both let you draw up to a sanctioned limit. CC is typically tied to current assets (stocks and receivables) with drawing power calculated monthly. OD can be unsecured or against other security (FD, property) with a fixed limit. The right structure depends on your business pattern.

For larger limits, yes — usually primary security (inventory and receivables) plus collateral (property or FD). For smaller limits to established businesses, unsecured digital options exist.