Built for the operating cycle
The facility is aimed at day-to-day costs, not at buying a long-lived asset or funding a personal expense.
Home Working Capital
Operating funds, placed with the right lender.
Short-term finance for wages, suppliers, rent, and the gap between an invoice and the payment. VAP Money prepares the file and coordinates it with banks and NBFCs.
Overview
Working capital, matched to the cash cycle.
A running business uses working capital when the operation is sound and cash is briefly short. Common uses include vendor payments, wages, rent, and stocking ahead of a season.
The gap the business can explain
Lenders look at banking, GST, and how sales turn into collections. The file should show the temporary gap, not only the request.
The decision stays with the lender
Limit, interest, fees, and tenor are quoted by the bank or NBFC after they assess the file. VAP Money coordinates that application.
Features and benefits
What the arrangement is meant to do.
A facility aimed at operations
The same banking and GST set can be discussed with lenders that fund working capital, including cash-credit and short-term structures they offer.
Statements before the application
Bank statements and GST papers are lined up for the period the lender usually asks for, before the file is sent.
A person on the file
The VAP team stays with the application through the lender’s verification, until that lender sanctions or declines.
Repayment on the lender’s terms
Drawing, interest, and renewal follow the sanction letter. We do not quote a rate until a lender has assessed the profile.
Eligibility and documents
What lenders usually ask to see.
These are the checks banks and NBFCs commonly apply to working capital. The final criteria, including turnover and banking conduct, are theirs.
Eligibility
- A business with regular operations and a cash gap the lender can see.
- Turnover, GST, and banking the lender can verify.
- A period of operations that meets that lender’s minimum.
- Account conduct the lender is willing to fund.
Documents
- KYC of the firm and the promoters.
- GST returns for the period the lender specifies.
- ITRs, financials, and debtor or stock details if the lender asks.
- Bank statements showing collections and vendor payments.
How to apply
Three steps from enquiry to the lender’s desk.
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01
Requirement
Share your name, mobile number, and what the loan is for. Use the form on this page.
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02
Papers
We tell you which KYC, income, and banking documents the matched lenders expect.
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03
Decision
The bank or NBFC verifies the file and decides sanction, rate, fees, and when funds are released.
Enquiry now
Tell us the working capital you need.
Submit the form and the enquiry is emailed to info@vapmoney.com. You can also call +91 98110 52842 or write to info@vapmoney.com.