Funding
Working capital finance
Most working capital limits are refused for the same reason: the assessment does not justify the ask.
- Limit range
- ₹5 L – ₹15 Cr
- Turnaround
- 15–30 days
- Output
- CMA data
WHAT YOU GET
Defined deliverables.
The exact scope depends on the service selected and the information available from your business.
- 01CMA data in the standard six-form format — audited past years plus projections
- 02Holding-level based working capital assessment and MPBF computation
- 03Current asset and current liability build-up with justification for each holding period
- 04Ratio analysis with credit interpretation, not just a table of numbers
- 05Enhancement or renewal proposals for existing limits
- 06Stock and book debt statement formats for ongoing compliance
THE PROCESS
A clear path from requirement to delivery.
Each stage has a defined purpose so you know what happens next.
- 01
Cycle analysis
Debtor days, inventory days and creditor days from your actual books, not sector averages.
- 02
Limit sizing
We compute what is defensible under the lender method applicable to your turnover, then compare it to what you asked for.
- 03
CMA preparation
Historical and projected periods clearly separated, every form reconciled.
- 04
Submission
Filed with a covering credit note and taken through renewal or sanction.
Clear scope. Clear communication.
Applicable professional fees and service charges should be confirmed according to the actual requirement before work begins. Government, lender or third-party decisions remain outside FIN.SWITCH's control.
RELATED SCHEMES
Government schemes that may connect with this service.
Availability and eligibility depend on the applicable scheme rules and the business profile.
QUESTIONS
Frequently asked about this service.
Review the common questions before starting a conversation with us.
For most bank working capital limits above ₹25 lakh, yes. Smaller limits may be assessed on a simplified turnover basis.
They can be ambitious if the business supports it. They cannot be invented — an unexplainable jump in projected turnover is the fastest way to lose credibility at appraisal.
Ready to discuss working capital finance?
Tell us what your business needs and we can explain the next practical step.