{"id":4393,"date":"2019-06-20T10:08:44","date_gmt":"2019-06-20T10:08:44","guid":{"rendered":"\/blog\/?p=4393"},"modified":"2020-01-07T10:16:52","modified_gmt":"2020-01-07T10:16:52","slug":"working-capital-loan-for-managing-business-expenses","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/loan-for-business\/working-capital-loan-for-managing-business-expenses\/","title":{"rendered":"Know more about Tata capital working capital loan for managing business expenses"},"content":{"rendered":"\n

Undoubtedly, finance is an imminent factor to keep the business machine running. And, it becomes more critical when we talk about meeting business expenses on a day-to-day basis. Let\u2019s look at Rahul\u2019s story. Rahul has been running his business for past three years. He requires around Rs. 1 lakh per month to meet his operational expenses such as staff salaries, utility bills (telephone, electricity, and water), office rent, supplier payments and other miscellaneous expenses. The business pattern over the last three years has revealed that the second quarter of the years i.e. April to August is relatively slow meaning monthly revenues rarely touch Rs. 50,000 as against Rs. 2.50 \u2013 3-lakh monthly revenue during the other quarters. So, if Rahul was to solely rely on the monthly revenue then his business would have wrecked during the lean quarter. The salaries of his staff would have got delayed, utility bills, office rent, and supplier payments would have remained unpaid, bringing upon a chaotic situation. But, fortunately, Rahul was wise enough to take a working capital loan to meet the operational expenses during the lean quarter. <\/p>\n\n\n\n

Know More<\/a><\/div>\n\n\n\n

Now, I am going to tell you how Tata Capital\u2019s\nworking capital loan can help you manage business expenses efficiently. As\nknown, the working capital loan is a type of business loan or commercial loan offered by\nlenders to meet daily operational expenses of a business. With the availed\nfunds you can pay rent of your commercial space, salaries of your staff,\nutility bills, inventory purchase, marketing expenses, and the like. Tata\nCapital offers working capital finance in the form of cash or credit to best suit\nyour business requirement. The advantage of Tata Capital working capital loan\nis that it can be availed as Working Capital Term Loan(WCTL) or Working Capital\nDemand Loan (WCDL), after careful assessment of your business needs and risk\nprofile by a Tata Capital representative. <\/p>\n\n\n\n

There are three types of working capital loan – Overdrafts, Cash Credit Accounts, and Non-Fund Facilities for Letters of Credit, Bank Guarantees etc. \u2013 and all the three types are offered by Tata Capital. Overdrafts will help you meet routine business expenses and is linked to your Current Account. Cash Credit Account is a credit facility with a higher loan limit compared to overdraft, but, will be granted to you against collateral. You can use it to meet recurring expenses like staff salaries, utility bills, taxes, and creditor dues. You can use Non-Fund Facilities to pay for deposits, guarantees, and letters of credit that your clients may require as additional security. Besides, working capital loan, the other types of business loans<\/a> and financial services offered by Tata Capital are Term Loans (Short term \/ Long term), Invoice Discounting \/ Factoring, Structured Financing, Debt Syndication and Advisory Services, Loan against Shares, and Vendor Financing. In conclusion, considering working capital loan is a good option to enable your business function more efficiently. And, I must admit that Tata Capital is a one-stop shop for convenient and need-specific business loans. <\/p>\n\n\n\n

Apply Now<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

Undoubtedly, finance is an imminent factor to keep the business machine running. And, it becomes more critical when we talk about meeting business expenses on a day-to-day basis. Let\u2019s look at Rahul\u2019s story. <\/p>\n

Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":4397,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[],"class_list":["post-4393","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-for-business"],"yoast_head":"\nWorking Capital Loan for Managing Business Expenses - Business Loans by Tata Capital<\/title>\n<meta name=\"description\" content=\"Tata Capital explains the need for working capital loans by most business and further tells the three types of working capital loans that you can choose from.\" \/>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Working Capital Loan for Managing Business Expenses - Business Loans by Tata Capital\" \/>\n<meta property=\"og:description\" content=\"Tata Capital explains the need for working capital loans by most business and further tells the three types of working capital loans that you can choose from.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/working-capital-loan-for-managing-business-expenses\/\" \/>\n<meta property=\"og:site_name\" content=\"TATA Capital Blog\" \/>\n<meta property=\"article:published_time\" content=\"2019-06-20T10:08:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-01-07T10:16:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2020\/01\/working-capital_loan.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"640\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tata Capital\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tata Capital\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/working-capital-loan-for-managing-business-expenses\/\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/working-capital-loan-for-managing-business-expenses\/\",\"name\":\"Working Capital Loan for Managing Business Expenses - 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