Cash Flow Management Loan & Working Capital

Overview

Efficient working capital management is essential for maintaining the smooth day-to-day operations of any business. Covering expenses such as payroll, inventory, and utilities requires a steady cash flow to avoid disruptions. Fluctuations in cash flow can severely impact business continuity, making it crucial for businesses to have access to flexible financial solutions. At BiggPocket, we offer tailored financing options that help businesses manage liquidity, bridge short-term gaps, and seize growth opportunities without compromising operational efficiency.

Purpose

The primary goal of BiggPocket’s Working Capital & Cash Flow Management solutions is to ensure business continuity by maintaining steady cash flow. Our financing options are designed to:

Cover Daily Operational Costs

Ensure there is sufficient liquidity to manage everyday business expenses, such as payroll, inventory, and utilities.

Bridge Seasonal or Cyclical Gaps

Address fluctuations in cash flow caused by market seasonality or delayed payments.

Fuel Business Growth

Provide immediate access to funds for business expansion or to capitalize on new opportunities without waiting for receivables.

Support Financial Stability

Help businesses maintain supplier and client confidence by meeting financial obligations on time.

Our mission is to empower businesses with the financial agility needed to tackle challenges and sustain growth.

BiggPocket Solution

At BiggPocket, we understand that cash flow management is key to business success. Our tailored financial solutions help businesses maintain liquidity without compromising long-term financial health.

Our offering includes unsecured working capital loans, which allow businesses to access funds without the need for collateral, preserving valuable assets while ensuring steady cash flow. With competitive interest rates, flexible repayment terms, and quick disbursal, we minimize financial stress while promoting business growth.

Our solutions provide

Quick and tailor-made access to funds to manage daily expenses.

Flexible repayment schedules tailored to business cash flow.

Competitive interest rates, minimizing the cost of borrowing.

No collateral requirement, allowing businesses to preserve assets.

With BiggPocket, you gain a trusted financial partner dedicated to supporting your business operations.

Eligibility

Our Working Capital & Cash Flow Management solutions are designed to be accessible to a wide range of businesses. To qualify, applicants must meet the following criteria:

Business Type

Open to MSMEs, startups, and established enterprises across industries.

Financial Stability

A positive financial history, stable turnover, and consistent cash flow.

Operational Tenure

Minimum of 1–3 years in business operations to demonstrate business stability.

Credit Score

A healthy credit score reflecting responsible borrowing behavior.

We maintain transparent eligibility criteria to ensure businesses with genuine financial needs receive timely support.

Loan Limits

Our loan limits are structured to provide businesses with the financial support needed to maintain liquidity while scaling operations.

Interest Rates

Competitive interest rates tailored to the business’s financial health and market conditions.

Loan Amounts

Determined based on the business’s financial profile, cash flow requirements, and repayment capacity.

Repayment Tenure

Flexible repayment terms ranging from 12 to 60 months, allowing businesses to balance repayments with cash flow.

With customized loan limits, BiggPocket ensures that businesses can maintain financial agility without overextending resources.

EMI Calculator

Planning your loan repayment is essential for maintaining healthy cash flow. Our EMI Calculator allows businesses to:

Estimate Monthly Repayments

Get an accurate breakdown of EMI amounts based on the loan amount, interest rate, and repayment tenure.

Optimize Loan Terms

Adjust tenure and EMI to match your business’s cash flow cycle.

Make Informed Decisions

Plan finances confidently by understanding repayment obligations upfront.

Using our BiggPocket EMI Calculator ensures that businesses can optimize borrowing without compromising day-to-day 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

Loan Amount Please enter your loan amount here.

₹

No. of Payments Please enter the number of years in which you plan to repay the loan.

Repayment Frequency

Interest Rate The interest rate will default to the product you selected. You can also change the rate up or down to understand the effect on your repayments and total interest payable.

Payment Mode Please choose payment mode of the loan.

Repayment Chart Loan Amortization Table

**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

{frequency} Payment

₹

Total interest payable

₹ over

Balloon amount (0.00%)

₹0.00

X

CIBIL Score for Solutions for Business

A strong CIBIL score is crucial in securing favorable loan terms. At BiggPocket, we help businesses understand how their credit score impacts financing and offer guidance on improving it.

Why Your CIBIL Score Matters

A higher score reflects responsible borrowing behavior, increasing your chances of loan approval.

How to Improve Your Score

Maintain timely repayments, reduce credit utilization, and avoid multiple credit inquiries.

Impact on Loan Terms

A better CIBIL score translates to lower interest rates and more flexible repayment options.

By helping businesses improve their CIBIL scores, we ensure better financial opportunities.

Apply Now

Take the first step towards achieving financial flexibility with BiggPocket’s Working Capital & Cash Flow Management solutions. Our application process is simple, transparent, and designed to get you the funds you need — fast.

Easy Application

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

Minimal Documentation

Simple document requirements ensure a tailor-made process.

Quick Approvals

Our streamlined approach ensures timely disbursement.

Expert Guidance

Our financial experts are available to guide you through every step.

Empower your business with BiggPocket — where financial flexibility meets business growth. Apply now!

Apply now

Business Loans FAQs

We understand that navigating financial solutions can lead to questions. Our FAQs provide answers to common queries, helping businesses make informed borrowing decisions.

What is the maximum loan amount I can avail of?

Depends on eligibility and income profile.

Is collateral required for working capital loans?

Not always.

What documents are needed for the application process?

Basic KYC, income proof, and bank statements.

Can I repay the loan early without penalties?

Yes.

How long does it take to process the loan?

Typically 7–10 working days.

Our FAQs section is designed to address your concerns, providing clarity and confidence in your financial decisions.