Get a Hassle-free Unsecured Working Capital Loan up to Rs. 45 Lakh from Bajaj Finserv


Working capital is the difference between ones current assets and current liabilities, and it is the fuel that keeps a business running. If one’s working capital levels go low, then one’s business operations could grind to a standstill. There are many reasons for working capital shortfalls, such as unpaid invoices, cyclical sales, periods of poor revenue, and other macro factors that put a clamp on the supply chain. However, irrespective of the cause, one way to tide over such a liquidity crunch is to raise funds through the Bajaj Finserv Working Capital Loan facility. Individuals can get funding of up to Rs.45 lakh on easy eligibility terms and through a hassle-free approval process.

Read on to know more about the Bajaj Finserv Working Capital Loan.

Get a loan of up to Rs.45 lakh for diverse needs

As a business owner strapped for cash, one can apply for a working capital loan with Bajaj Finserv and get approved for up to Rs.45 lakh on competitive terms. There is no spending restriction attached to the funds. One can freely use it for purposes such as:

Purchasing raw materials

Stocking up on inventory

Paying overheads like salaries and office rent

Accepting bulk orders

Managing cash flows

Making upfront payments to suppliers

Once one addresses pressing issues, the improved liquidity should bolster their ROI and hence, make repayment easy to manage.

Raise capital without pledging an asset as security

A top advantage of the Bajaj Finserv Working Capital Loan facility is that individuals can avail of a large loan, of up to Rs.45 lakh, without offering a high-value personal or business asset as security. Hence, one avoids the hassle of identifying an eligible asset and having to worry about its status in case things do not go as planned. Further, with no asset valuation, one can save time and obtain funding without delay. Alongside the non-requirement for collateral, Bajaj Finserv does not place any requirement for a guarantor either.

Avail quick funding to clear financial roadblocks

Bajaj Finserv offers easy access to working capital loan financing in that the eligibility criteria are simple. All one needs to do is have a good financial profile, with a CIBIL score of 750 or more, and possess a business vintage of at least 3 years. To prove one’s eligibility, an individual needs to produce basic KYC documents along with proof of business ownership, IT returns, profit and loss statements and balance sheets.

Once one meets these requirements and have their documents in hand, they can apply for a working capital loan online. This is the best way to expedite loan approval. Individuals can get approval within 24 hours of filing the online form, and post document verification, a swift disbursal follows. With simple eligibility, an online application, and a seamless disbursal, one can improve their working capital position without hassles.

Plan for repayment with the EMI calculator

A working capital loan is normally taken for short-term business needs. Nevertheless, it is good to do a cost-benefit analysis before availing of the loan. During this step, individuals should evaluate their ROI and assess how large an EMI they can manage. An indispensable repayment tool that one should use to settle on the right EMI is the working capital loan EMI calculator. It will help optimise one’s monthly and total interest outgo. These work inversely: when one increases, the other decreases. Hence, individuals should strike a balance, as the EMI calculator allows one to tweak the principal and tenor to arrive at the best loan structure.

Opt for flexible withdrawals and repayments

Working capital management can get tricky when one’s funding needs are not set in stone and so their ability to repay immediately is hampered. In such a scenario, the Flexi loan facility offered by Bajaj Finserv can be beneficial. With a Flexi loan, individuals get an approved loan limit, from which they can withdraw funds on the go, as the need arises. Moreover, one is charged interest on the utilised amount only. To make things sweeter, one can repay funds as soon as they come into a surplus as there are no costs attached to prepayments. Additionally, one can opt to pay interest-only EMIs for the initial tenor and thereby reduce their monthly outgo by up to 45%*.

Having considered how the Bajaj Finserv Working Capital Loan facility can help one set sail towards economic growth, apply online for funding. This working capital management solution will provide one with the liquidity needed in no time.

About Bajaj Finance Limited

Bajaj Finance Limited, the lending company of Bajaj Finserv group, is one of the most diversified NBFCs in the Indian market catering to more than 44 million customers across the country. Headquartered in Pune, the company’s product offering includes Consumer Durable Loans, Lifestyle Finance, Lifecare Finance, Digital Product Finance, Personal Loans, Loan against Property, Small Business Loans, Home loans, Credit Cards, Two-wheeler and Three-wheeler Loans, Commercial lending/SME Loans, Loan against Securities and Rural Finance which includes Gold Loans and Vehicle Refinancing Loans along with Fixed Deposits. Bajaj Finance Limited prides itself on holding the highest credit rating of FAAA/Stable for any NBFC in the country today. It is also the only NBFC in India with the international ‘BBB’ with stable outlook for long-term, by S&P Global Rating.

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Handicraft Furniture setting a new trend in the interior and home décor industry

Handicraft Furniture setting a new trend in the interior and home décor industry

Furniture is one of the most prominent and significant aspects of any space. It adds a distinct depth and feel to the décor and enhances its beauty to the next level. Conventionally furniture was considered only as a side element while designing an interior. However, today the trend has changed; the limelight is on the furniture and furnishing elements. Young interior designers and architects are giving utmost importance to furniture and are heavily investing their time and efforts to get the best furniture for modern urban spaces.

Antique Handicraft Furniture

Saharanpur – the furniture city of India is renowned for its explicit patterns, wide motifs, and creativity. The city is home to some of the most skilled and proficient artisans and craftsmen. These creative enthusiasts are known for their attention to detail, intricate carving, and eye for perfection. The finishing and look of the furniture created in this city are beyond comparison. Craftatoz is one of the reputed furniture manufacturing companies in India. Established in the year 1989 in Saharanpur, the company has more than 300 trained and skilled workmen. The antique and eternal furniture created by Craftatoz sets the perfect symphony of texture and gives your space a stunning and grandeur appearance.

Furniture artefacts are one of the worthwhile investments. It not only augments the overall appearance of your room but also meticulously sets the whole ambience. The novelty and ethnic feel of antique furniture make it highly popular amongst the masses. The designers and interior decorators are hunting unique and exquisite antique furniture that connects one with the Indian roots. Craftatoz is one of its kind of handicraft furniture manufacturing company striving to preserve the Indian handicraft industry and introducing artistic handicraft furniture that is spectacular and awe-inspiring.

Preserving the art of Handicraft

Handicraft furniture online is a part of Indian heritage and culture from the Britishers time. Handicraft furniture speaks volumes about our rich history and love for art. Handicraft furniture is an integral part of our interiors and gives your premise an elegant touch. However, over the period of time with the introduction of modernization and machine-made furniture, the significance of handicraft furniture has been also affected to a great extent.  Furniture giants like Craftatoz are exerting themselves to promote the artisan’s talent and preserve the art of handicraft. They are bringing handicraft furniture to modern homes and preserving our legacy. Handicraft furniture is a seamless combination of modern art, style, and antiquity. They are unmatched and a true epitome of sophistication.

Handicraft furniture suits your décor and adds more splendor to it

The latest global trend in home furniture and decoration is Handicraft Furniture. Décor with the layer of Indian handicraft products and furniture creates an interesting décor and creates an impeccable melody of texture, color, fabric, styles, etc. Antique handicraft furniture in the form of mirrors, center table, jharokhas, Chandeliers, key holders, table lamps, corner tables, and much more. Handicraft Furniture is true alchemy of style and poise. They are an ideal fit for any modern urban or conventionally designed abodes. The handicraft wooden furniture celebrates luxury and creates a lavish feel.

The matchless collection of handicraft furniture

Handicraft furniture is never outdated. They are timeless and always in fashion. Other furniture styles may come and go but the love for Indian handicraft and artistic furniture is increasing at an enormous rate. A true lover of Indian culture and exclusive products is sure to get impressed by the sumptuous range of handicraft furniture offered by Craft atoz. The handicraft furniture can truly revamp your furniture and add a gleam to your interiors. Handicraft furniture is available in size, style, and pattern. The availability of premium grade handicraft furniture collection has led to an immense increase in the demand and utility of the same. Interior designers and décor experts are incorporating handicraft furniture to create a comprehensive mood of the space and give it a cutting-edge.

Taking furniture industry to newer heights

Like every industry, the furniture industry has also witnessed several ups and downs. The trends in the furniture industry are ever-evolving. There are continuous introductions and upgrades in this sector. However, the heart of the furniture segment is still ‘Handicraft Furniture’ the simplicity, quirkiness, antique touch, regal patterns and immersive feel of handicraft furniture still continue to mesmerize everyone with its grandeur and sheer opulence.

Handicraft furniture is at the pedestal and gaining substantial attention worldwide. They are widely acknowledged as one of the most reputed, credible, and authentic Indian art forms. The handicraft furniture reflects the legacy of the country and opens new avenues for Indian craftsmen and artefacts. Craftatoz with an aim to provide these artists global exposure and widespread Indian culture to every corner of the world brings a well-thought, finely detailed range of handicraft furniture that creates the cult and sets new milestones in the world of online furniture.