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  • About Us
    • Testimonials
    • Our Partners
  • Our Solutions
    • Solution For Business
      • Working Capital & Cash Flow Management
      • Business Expansion & Growth Initiative
      • Asset Acquisition: Equipment & Technology Investments
      • Emergency & Contingency Funding
      • Marketing, Advertising & Customer Acquisition
      • Seasonal Cash Flow & Inventory Management
      • Debt Consolidation & Financial Restructuring
      • Startup Funding & Building Credit History
      • Business Restructuring & Strategic Partnerships
      • Professional Development & Workforce Enhancement
      • Facility Renovation & Upgrades
      • Supplier Negotiations & Market Expansion
    • Solution For Professionals
      • Practice Working Capital & Cash Flow Management
      • Practice Expansion & Office Upgrades
      • Technology & Equipment Investment
      • Professional Development & Training
      • Marketing & Client Acquisition
      • Debt Consolidation & Financial Restructuring
      • Emergency Funds & Contingency Planning
      • Strategic Investments & Partnerships
      • Real Estate & Practice Acquisition
      • Risk Management & Insurance Investments
    • Solution For Home
      • House Purchase Loan
      • House Construction Loan
      • Home Renovation & Remodeling Loan
      • Home Extension & Expansion Loan
      • Interior Design & Furnishing Loan
      • Debt Consolidation for Home Improvement
      • Emergency Home Repair Loan
      • Additional Home-Related Financial Needs
  • Our Products
    • Collateral Free Loans
      • Unsecured Business Loans
      • Unsecured Overdraft
      • CGTMSE
    • Purchase / Construction Loans
      • Home Purchase Loans
      • Commercial Office purchase loans
      • Land purchase Loans
      • Factory/ Industry/ Warehouse Purchase Loans
      • Construction Loans for construction of House, Factory, Office
    • Collateral Backed MSME Loans
      • Loan Against Property
      • Dropline Overdraft
      • Working Capital facilities such as CC, OD, BG, LC
      • Lease Rental Discounting
      • Construction Financing
      • Project Financing
  • Partner with us
    • Industry Associations
    • Industrial Area Associations
    • Chartered Accountants
    • Property Consultants
    • Wealth Managers
    • Independent Loan Consultants
  • Careers
  • Resources
    • Blogs
    • CA Knowledge Series
    • FAQ
    • Calculator
  • Customer Service

Practice Working Capital & Cash Flow Management

Home » Our Solutions » Solution For Professionals » Practice Working Capital & Cash Flow Management

Overview

Maintaining consistent cash flow is crucial for the success of any professional practice. Whether you run a medical clinic, law firm, consulting agency, or accounting practice, daily operational expenses such as salaries, utilities, office supplies, and rent can place significant pressure on working capital. During lean periods or when client payments are delayed, insufficient cash flow can disrupt day-to-day operations and compromise service quality.
At BiggPocket, we understand the unique financial needs of professional practices. Our tailored working capital financing solutions provide unsecured funding that helps practices maintain financial stability, ensuring they have the liquidity required to manage operations efficiently — even during challenging periods.

Purpose

The primary purpose of BiggPocket’s Practice Working Capital & Cash Flow Management solutions is to empower professional practices by ensuring uninterrupted operations. Our financing is designed to:

Cover-Daily-Operational-Costs

Cover Daily Operational Costs

Finance essential expenses such as salaries, utilities, rent, and office supplies to ensure smooth daily functioning.

Manage-Cash-Flow-Gaps

Manage Cash Flow Gaps

Address periods of seasonal downturns or delayed payments, providing a financial cushion to manage short-term liquidity needs.

Support-Business-Continuity

Support Business Continuity

Ensure that your practice operates seamlessly, even when revenue inflow is unpredictable.

Enable-Business-Growth

Enable Business Growth

Free up internal resources, allowing you to invest in expanding services, upgrading technology, or hiring additional staff.

Avoid-Collateral-Risks

Avoid Collateral Risks

Offer flexible, unsecured loans that don’t require pledging assets, helping you maintain ownership of valuable resources.

Our goal is to help professional practices maintain financial resilience, ensuring they thrive regardless of market fluctuations.

BiggPocket Solution

At BiggPocket, we provide customized working capital financing solutions that help professional practices maintain steady cash flow and manage daily operations without financial strain. Our unsecured loans provide the liquidity needed to ensure smooth operations.

Solution

Unsecured Working Capital Loans

Access funds without pledging collateral, preserving your practice’s valuable assets.

Quick Disbursal of Funds

Our fast loan processing ensures that you receive funds when you need them the most, minimizing operational disruptions.

Flexible Repayment Plans

Customizable repayment schedules that align with your practice’s revenue cycle, ensuring affordability.

Competitive Interest Rates

Affordable financing designed to minimize borrowing costs while maintaining liquidity.

Expert Financial Guidance

Our financial advisors provide insights into optimizing cash flow management and repayment strategies.

With BiggPocket, professional practices can focus on delivering exceptional services, while we take care of their financial stability.

Eligibility

Our Practice Working Capital & Cash Flow Management financing solutions are designed to support a wide range of professional practices. Eligibility is based on the following criteria:

Professional Practice Type

Open to medical professionals, law firms, consultants, accountants, and other professional service providers.

Operational Tenure

Minimum of 1–3 years of continuous business operations.

Financial Stability

Positive turnover with consistent revenue flow to demonstrate repayment capacity.

Credit History

A healthy credit score reflects financial responsibility and improves loan approval chances.

Our transparent eligibility process ensures that professional practices with genuine working capital needs receive timely financial support.

Eligibility
Loan-Limits

Loan Limits

Our loan limits are tailored to provide comprehensive financial support for managing cash flow and working capital, while maintaining flexibility.

Loan Amounts

Determined based on the size, revenue, and financial profile of the practice.

Repayment Tenure

Flexible repayment terms ranging from 12 to 60 months, ensuring manageable repayment schedules.

Interest Rates

Competitive interest rates designed to minimize borrowing costs while maintaining liquidity.

With customized loan limits, BiggPocket ensures that professional practices have the financial stability needed to operate with confidence.

EMI Calculator

Planning your repayment obligations is key to managing cash flow effectively. Our EMI Calculator helps professional practices make informed borrowing decisions by:

Estimate-Monthly-Repayments

Estimating Monthly Payments

Provides a detailed breakdown of monthly EMIs based on loan amount, interest rate, and tenure.

Optimize-Loan-Terms

Optimizing Loan Terms

Allows adjustment of repayment schedules to balance affordability and cash flow stability.

Make-Informed-Decisions

Supporting Financial Planning

Enables practices to manage working capital needs without compromising daily operations.

Our BiggPocket EMI Calculator gives practices the clarity needed to manage finances responsibly, supporting smooth operations.

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  • About this calculator
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Calculator Information

The Equipment Finance Calculator calculates the type of repayment required, at the frequency requested, in respect of the loan parameters entered, namely amount, term and interest rate. The Product selected determines the default interest rate for personal loan product. The Equipment Finance Calculator also calculates the time saved to pay off the loan and the amount of interest saved based on an additional input from the customer. This is if repayments are increased by the entered amount of extra contribution per repayment period. This feature is only enabled for the products that support an extra repayment. The calculations are done at the repayment frequency entered, in respect of the original loan parameters entered, namely amount, annual interest rate and term in years.

Calculator Assumptions

Length of Month

All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days interest dependent on the number of days in the particular month.

Number of Weeks or Fortnights in a Year

One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.

Rounding of Amount of Each Repayment

In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts. Note that the final repayment after the increase in repayment amount.

Rounding of Time Saved

The time saved is presented as a number of years and months, fortnights or weeks, based on the repayment frequency selected. It assumes the potential partial last repayment when calculating the savings.

Amount of Interest Saved

This amount can only be approximated from the amount of time saved and based on the original loan details.

Calculator Disclaimer

The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change.

Feel free to use our Equipment Finance Calculator

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**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.

Period Payment Interest Balance
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Credit-Score

CIBIL Score for Solutions for Business

A CIBIL score plays a crucial role in determining loan eligibility and favorable terms. At BiggPocket, we help professional practices understand how their credit score impacts financing and how to improve it.

Why CIBIL Matters

A high CIBIL score reflects financial responsibility, increasing loan approval chances.

How to Improve Your Score

Timely repayments, maintaining low credit utilization, and responsible financial management.

Impact on Future Financing

A better CIBIL score unlocks access to larger loan amounts, lower interest rates, and more flexible repayment options.

We help professional practices enhance their creditworthiness, unlocking better financial opportunities.

Apply Now

Keeping your practice running smoothly requires consistent working capital and cash flow management. With BiggPocket’s Practice Working Capital & Cash Flow Management financing solutions, you can address daily operational costs, manage liquidity, and maintain financial stability — even during lean periods.

Apply-Now

Simple Application Process

Apply online through our user-friendly platform or visit our branch.

Documentation

Minimal Documentation

Our tailor-made process ensures a smooth and quick application with minimal paperwork.

Quick-Approvals

Quick Approvals

Fast processing ensures you get timely access to funds to manage daily expenses.

Expert-Advice

Expert Guidance

Our financial advisors provide continuous support to help optimize working capital management.

Empower your professional practice with BiggPocket — Where Financial Stability Meets Operational Excellence.

Apply now

Professional Loans FAQs

We understand that financing working capital needs can raise important questions. Our FAQs section addresses common concerns, ensuring professional practices have the clarity they need to proceed with confidence:

What types of operational expenses can BiggPocket finance?
Working capital, equipment, and inventory.
Is collateral required for working capital loans?
No.
How quickly can I access funds after approval?
Within 24-48 hours.
Can I adjust my repayment schedule if business conditions change?
Yes.
What documents are required to apply for working capital financing?
Business financials, KYC, and bank statements.

Our FAQs section ensures transparency and confidence throughout the financing process.

Grow Without Limits with Tailored Credit Solutions!
Click here to Apply Now!
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