Working Capital Term Loan

ZipLoan offers unsecured working capital loans to businesses who otherwise don't get the financing from Banks or other financial institutions due to lack of necessary documents, required Turnover, lack of focus of Banks in this segment or other stringent requirements. ZipLoan has tailored its product for MSMEs only so that they can get access to quick credit at reasonable price. Small businesses can use this additional working capital to buy more inventory, hire more people, scale their operations etc.. At ZipLoan we are committed to help small businesses grow. Some key features of our product are:


ZipLoan provides an unsecured loan starting from Rs 1 lac and more depending on the eligibility.


The loan can be repaid in 1 to 2 years as based on the customer's choice.

Repayment Frequency

The loan needs to be repaid in fixed monthly instalments. There is no prepayment penalty.

Fees and Charges

There is a processing fee of 3% for equipment finance.

Eligibility Criteria

  • Minimum Turnover of INR 10 lac in the last 12 months.
  • ITR for last 2-3 years with last year ITR of more than INR 2.5 lacs.
  • Either house or business premises should be owned.
  • Business place separate from the residence.
  • Business vintage(operations) for at least 3 years.

Documents Requirement

  • PAN card.
  • Last 12 months bank statement.
  • Last 2-3 years ITR.
  • Business Place address proof.
  • Residence address Proof.