Hybrid Flexi Loan

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Apply Hybrid Flexi Loan Online Low Interest Rate & Lowest EMI

A Hybrid Flexi Loan combines the structured nature of a term loan with the flexibility of an overdraft facility. It allows borrowers to withdraw funds as needed while also following a planned repayment schedule.

Surplus funds can be deposited into the loan account to reduce the outstanding balance, thereby lowering interest costs. At the same time, borrowers retain the freedom to re-withdraw funds up to the sanctioned limit whenever required.

This loan structure provides better cash flow control, interest savings, and financial flexibility, making it a smart financing option for growing businesses and professionals.

Ideal for: Borrowers who want flexible access to funds with disciplined repayment and interest optimization.

Working Capital Loan Details

Purpose	A working capital loan is designed to help businesses manage their day-to-day operational expenses, including inventory, payroll, rent, and other short-term financial needs.
Eligible People	Small to medium-sized businesses Startups and established businesses Self-employed individuals or sole proprietors
Interest Rate	The interest rate for working capital loans can vary between lenders, typically ranging from 10% to 24%, depending on the borrower's profile.
Processing Fee	It ranges from 0.5% to 2% of the loan amount.
Collateral Requirement	Some lenders may require collateral, such as property, equipment, or inventory. Unsecured working capital loans may also be available for businesses with a good credit history or a solid financial standing.
Repayment Tenure	Repayment tenure can vary from 6 months to 5 years depending upon the loan amount and business cash flow.
Interest Rate Type	Fixed: The interest rate remains the same throughout the loan term. Floating: The interest rate may change based on market conditions.
Business Vintage	Most lenders prefer businesses with at least 1-2 years of operation. However, some may offer loans to startups if they show strong potential for growth and profitability.

Working Capital Loan Eligibility Criteria

Before you apply for a working capital loan, you should understand the eligibility criteria:01

Age of business:

At least 1-2 years of working experience is a basic requirement by most lenders.02

Annual Income:

Lenders mainly look for businesses that have a minimum turnover, so that they can repay the loan.03

Credit Score:

A credit score of 700 and above shows the financial discipline of the applicant.04

Business Plan:

Lenders might ask for a business plan to understand the intention of the loan.

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