In India, businesses across all sectors are constantly in need of working capital to maintain smooth operations and seize growth opportunities. 

Whether it's to cover day-to-day expenses, purchase inventory, or manage cash flow, a working capital loan can help bridge financial gaps and support long-term success. 

As the lending landscape in India continues to evolve, more options are available for businesses seeking financing. In 2025, here are the top five lenders offering business working capital loans in India.

1. HDFC Bank

HDFC Bank is one of India's leading private sector banks and offers a range of financial products, including business working capital loans. 

Their working capital loan offerings are tailored for businesses of all sizes, from small enterprises to large corporations. HDFC Bank offers both secured and unsecured working capital loans with attractive interest rates and flexible repayment terms.

Businesses can apply for a loan up to ₹50 lakhs without collateral (for unsecured loans) or higher amounts with collateral. 

The bank also offers overdraft facilities and working capital demand loans, making it a versatile option for businesses needing quick access to funds. 

HDFC Bank's fast loan approval process and wide network of branches make it a popular choice for business owners across India.

2. ICICI Bank

ICICI Bank is another major player in India’s banking sector and is well-known for offering comprehensive working capital loans to businesses. 

Their working capital loan products include overdraft facilities, cash credit, and short-term loans. ICICI Bank’s lending solutions cater to both small businesses and large enterprises, with loan amounts ranging from ₹1 lakh to ₹50 crores, depending on the business's requirements and eligibility.

The bank’s online application process is quick and straightforward, ensuring that businesses can receive approval in a short amount of time. 

ICICI Bank’s flexible repayment terms and competitive interest rates make it an appealing option for companies looking to maintain liquidity while managing their day-to-day operations.

3. Bajaj Finserv

Bajaj Finserv, a leading non-banking financial company (NBFC), offers working capital loans that are particularly suited to small and medium-sized businesses (SMBs). 

Bajaj Finserv’s working capital loan is designed to provide businesses with the necessary financial support for inventory purchase, daily expenses, or seasonal fluctuations in cash flow.

One of the key advantages of Bajaj Finserv’s loan products is the minimal documentation required for approval. 

Businesses can apply for loans up to ₹30 lakhs with flexible repayment tenures ranging from 12 months to 60 months. Bajaj Finserv also offers competitive interest rates and the ability to access funds quickly, often disbursing loans within 24 to 48 hours of approval.

4. Tata Capital

Tata Capital, a subsidiary of the Tata Group, is a well-known lender in India, offering a range of business loans, including working capital loans. 

Tata Capital provides both secured and unsecured working capital loans with loan amounts up to ₹75 lakhs. 

The lender is particularly popular for its easy documentation process and fast loan disbursement, which can help businesses quickly access the funds they need.

In addition to working capital loans, Tata Capital also offers revolving credit facilities and term loans that can be customized to suit a business’s specific requirements. 

Their repayment terms are flexible, with tenures ranging from 12 months to 36 months, and the loan application process is entirely digital, making it convenient for businesses to apply online.

5. SIDBI (Small Industries Development Bank of India)

SIDBI is a government-backed financial institution that primarily focuses on providing financial assistance to small and medium-sized enterprises (SMEs) in India. 

It offers working capital loans through various schemes such as the “SIDBI Working Capital Loan Scheme” and the “SME Loan Scheme,” designed to support businesses in managing their cash flow.

SIDBI’s loans come with attractive interest rates and flexible repayment options. 

The bank also offers lower collateral requirements compared to private lenders, making it an excellent option for MSMEs (Micro, Small, and Medium Enterprises) looking to secure funding. SIDBI provides loans up to ₹10 crore, depending on the size and nature of the business.

Conclusion

Accessing working capital loans is a critical step for businesses looking to thrive in India’s dynamic market. 

In 2025, businesses can rely on top lenders like HDFC Bank, ICICI Bank, Bajaj Finserv, Tata Capital, and SIDBI for flexible financing options that can help them navigate cash flow challenges. 

Each lender has its own set of offerings tailored to different business needs, so it's essential for business owners to assess their financial requirements before applying for a working capital loan. With the right loan in place, businesses can manage their day-to-day expenses efficiently and continue to scale their operations effectively.