Working Capital Loans in Kerala — Complete Guide 2026

Working Capital Finance in Kerala — 2026

Working capital loans help Kerala businesses manage day-to-day operations, bridge cash flow gaps, fund inventory, and meet short-term obligations. Blueberry FM facilitates working capital finance through 15+ partner lenders.

Types of Working Capital Finance

• Cash Credit (CC): Revolving limit against stock and debtors — pay interest only on utilised amount
• Overdraft (OD): Withdraw beyond balance up to sanctioned limit
• Invoice/Bill Discounting: Immediate cash against outstanding invoices (70–90% advance)
• Short-Term Working Capital Loan: Lump sum, 12–36 months, fixed EMI

Interest Rates (2026)

• PSU Banks (CC/OD): 9% – 12% p.a.
• Private Banks: 11% – 15% p.a.
• NBFCs: 14% – 20% p.a.

Eligibility

• Business operational for 1–2 years
• Annual turnover ₹25 Lakhs+ (varies by lender)
• GST returns filed regularly
• CIBIL score 650+ preferred

Register Your Business First

• Private Limited Company
• Sole Proprietorship
• LLP Registration

Explore Other Loan Types

• MSME Loans (CGTMSE, MUDRA)
• Startup Loans
• Equipment Financing
• Loan Against Property