• Phone:

    +91 7860010011

  • Email:

    contact@relookcapital.com

  • Office Address: B-2 , 2/91, Vibhuti Khand.
    Gomti Nagar.Lucknow-226010. UP

  • Registered Address : 204, Prem Vihar . Sector 62. Noida. Pin -201309. UP

Working Capital Loan

Powering Your Business with Reliable Working Capital Loans By Relook Leasing & Finance Pvt. Ltd.

Running a small business comes with its own set of financial challenges, especially when it comes to managing daily operations and responding to sudden financial demands. At Relook Leasing & Finance Pvt. Ltd., we recognize the unique needs of SMEs (Small and Medium Enterprises) and offer tailor-made working capital loan solutions designed to keep your business running smoothly.

A working capital loan is a smart financial tool that helps bridge the gap between your expenses and revenue. Whether you’re facing delayed customer payments, seasonal demand fluctuations, or looking to cover day-to-day operational costs, our SME-focused financing ensures your business always has the funds to meet its immediate obligations and grow sustainably.

At Relook, we go beyond lending. We aim to become your trusted financial partner by offering:

  • Customized loan solutions based on your business type and cash flow needs
  • Fast processing and minimal documentation to save your time
  • Flexible repayment options that work around your financial cycle
  • Dedicated relationship managers who understand your sector

With a deep understanding of the SME landscape, Relook Leasing & Finance Pvt. Ltd. is committed to empowering businesses like yours. Let us help you unlock the potential of your enterprise with the right financial support at the right time.

0.25% to 2% of Loan Amount

Loan Processing Fees

Nill

Loan Cancellation

As per actual

Legal Fees

Nill to 4% (According to bank /NBFC)

Foreclosure

Features and Benefits of Our Project Loan

  1. Secured Funding:
    1. Our project loans are backed by future cash flows or project-related assets such as land, buildings, or machinery. This reduces the lender’s risk and can help you access funding at more favorable interest rates.
  2. High Loan Amount:
    1. We offer higher loan amounts based on the overall scope, feasibility, and capital requirements of your project—ideal for large-scale developments and long-term investments.
  3. Flexible Tenure:
    1. With tenures ranging from 5 to 15 years, our project loans are structured to match your project's revenue cycle, ensuring manageable EMIs and financial stability throughout the repayment period.
  4. Multi-purpose Usage:
    1. Project loan funds can be utilized for a wide range of needs such as land acquisition, construction, plant and machinery, technology upgrades, and working capital—offering complete flexibility in usage.
  5. Builds Business Creditworthiness:
    1. Consistent and timely repayments on your project loan help enhance your business's credit profile, making it easier to access future financing with confidence.

Eligibility Criteria for Project Loan

At Relook Leasing & Finance Pvt. Ltd., we provide tailored Project Loan solutions designed to meet your capital investment needs. Please refer to the eligibility conditions outlined below:

Nationality :

Applicants must be Indian citizens and can apply as individuals, proprietors, partnership firms, LLPs, or registered companies. Valid KYC and business registration documents are required.

Business Vintage & Financials :

The business should have a minimum operational track record of 2–3 years with a consistent revenue stream. Audited financials and bank statements will be required to assess financial health and loan eligibility.

Project Feasibility:

A comprehensive project report detailing capital requirements, timelines, expected returns, and financial projections must be submitted. The project should demonstrate economic viability and long-term sustainability.

Credit History:

A strong credit score (ideally 700+ for individuals or a healthy business credit profile) enhances approval chances. Past credit behavior and repayment track record will be considered during evaluation.

Collateral & Security:

Acceptable collateral such as land, building, machinery, or other project assets is required. The collateral must be legally owned, with proper documentation and clear title.

Banking Relationship:

Having an existing banking relationship with Relook Leasing & Finance Pvt. Ltd. may facilitate quicker processing and better loan terms. A history of timely repayments and responsible borrowing adds value.

Check Eligibility Now

Documents Required for Project Loan

To process your Project Loan application at Relook Leasing & Finance Pvt. Ltd., please ensure the following documents are submitted

  • Individual KYC Documents
    • Photograph, PAN Card, Aadhaar Card of all applicants and co-applicants
    • Residence electricity bill of proprietor/directors/partners (if rented, submit rent agreement)
    • Permanent address proof
  • Business KYC Documents
    • Company PAN Card, Udyam Certificate, Gumasta Certificate, GST Registration
    • List of Directors and Shareholding Pattern
    • Partnership Deed / Certificate of Incorporation (as applicable)
    • MOA (Memorandum of Association) and AOA (Articles of Association)
    • Office electricity bill (if rented, submit rent agreement)
  • Financial Statements & Tax Documents
    • Latest 2 years Company ITR with audit report (UDIN no) including Acknowledgement, Computation of Income, Balance Sheet, Profit & Loss Account, 3CB, 3CD with schedules
    • Latest 2 years ITR of all directors (UDIN no)
    • 1 year GST return
    • 1 year current account bank statement
  • Loan & Repayment Details
    • Sanction letters for all ongoing loans in company and individual names
    • Repayment track record of all existing loans
  • Additional Business Documents
    • Form 32 and Form 20B (if applicable)
    • Note: If turnover is below ₹20 lakh, strong banking history is essential. Loan approval will depend on banking behavior as per lender's policy.
  • Disclaimer
    • The above list is indicative. Additional documents may be requested by the lending institution as per their internal credit policy.

Frequently Asked Questions – Working Capital Interest Rates

Interest rates for working capital loans generally range between 15% to 32% per annum, depending on the lender, loan amount, credit profile, and financial health of the business.

Each lender has its own risk assessment model, lending policies, and cost of funds. Factors such as business vintage, credit score, collateral, and existing liabilities also influence the rate offered to borrowers.

To secure the best rates, maintain a strong credit score (750+), show stable financials, reduce existing liabilities, and offer collateral if possible. An existing relationship with the lender can also help negotiate better terms.

Working capital loans can come with either fixed or floating interest rates. The type depends on the lending institution’s policy and the agreement terms at the time of loan sanction.

Yes, NBFCs generally charge slightly higher interest rates than traditional banks due to higher risk tolerance and faster disbursal. However, they offer more flexible eligibility and documentation processes.

Yes, there may be processing fees, documentation charges, prepayment/foreclosure charges, and late payment penalties. Always review the complete fee structure before accepting a loan offer.

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