Dulcet Holding
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Working Capital Finance in India

AI-assessed working capital loans from ₹10 lakh to ₹50 crore. GST analysis, bank statement parsing, and 50+ lender matching in under 30 seconds.

1. Working capital finance provides businesses with funds to manage day-to-day operations — inventory purchase, salaries, vendor payments, and short-term obligations.

2. Dulcet Holding's AI engine analyzes GST returns, bank statements, and CIBIL scores to match you with the best working capital loan across 50+ banks and NBFCs in 30 seconds.

3. Get working capital loans from ₹10 lakh to ₹50 crore with flexible repayment options — overdraft, cash credit, demand loan, or bill discounting — tailored to your cash flow cycle.

4. No collateral required for limits up to ₹2 crore under CGTMSE scheme — 100% digital documentation with e-KYC, e-sign, and instant sanction letter generation.

5. Serving MSMEs and mid-corporates across Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Pune, Ahmedabad, and 230+ Indian cities with 6-hour sanction turnaround.

₹10L – ₹50 Cr

Loan Amount

From 9.75% p.a.

Interest Rate

12–60 months

Tenure

6 Hours

Approval

Key Features

AI credit assessment in <30 seconds
GST return analysis (3 years)
Bank statement digital parsing (12 months)
CIBIL & bureau integration
50+ lender matching engine
Flexible: OD, CC, Demand Loan, Bill Discounting
CGTMSE collateral-free up to ₹2 Cr
Instant sanction letter generation

Eligibility & Requirements

Business vintage minimum 2 years
Annual turnover ₹50 lakh minimum
GST registration mandatory
CIBIL score 700+ preferred
Profitable in last 2 financial years
Valid ITR for last 2 years
Current account with bank statement

AI Market Intelligence

Live

Current Market Rate

9% to 14% per annum depending on credit rating and collateral

Advantages

• Improved cash flow management through optimized working capital cycles

• Collateral-free financing options available via TReDS platforms

• Competitive interest rates compared to traditional overdraft facilities

Eligibility

• Valid Udyam Registration Certificate under MSME classification

• Minimum business vintage of 2-3 years with consistent turnover

• Satisfactory CIBIL or Experian credit score

Compliance

• Adherence to RBI guidelines on KYC and Anti-Money Laundering (AML)

• Mandatory GST registration and timely filing of returns

• Reporting requirements under the TReDS framework for receivable financing

Working Capital Finance Calculator

Amount (₹)

Rate (% p.a.)

Tenure (days)

Discount Amount

₹25,890

Net Disbursement

₹9,74,110

Ready to get Working Capital Finance?

Get sanctioned in 6 hours with AI-powered approval.

Dul-fin

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👋 Hi! Looking for finance solutions?

We offer Invoice Discounting, Supply Chain Finance, Working Capital, Vendor & Channel Finance — sanctioned in 6 hours!

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Dul-fin · Invoice Discounting · SCF · Working Capital
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