Every successful business runs on smooth cash flow — it’s the fuel that keeps daily operations moving, ensures timely payments, and helps you grab new opportunities without delay. At Tru Loan, we understand that maintaining healthy working capital is crucial for sustaining and growing your business.
That’s why Tru Loan is committed to providing fast, transparent, and flexible Working Capital Loan solutions. Whether you manage a small startup, a growing enterprise, or an established company, our customized working capital finance ensures your operations never slow down.
With Tru Loan, you get quick approvals, competitive interest rates, flexible repayment options, and expert financial guidance. Our advanced digital processing, combined with personalized support, ensures your business always has the liquidity it needs to thrive.
Why Choose Tru Loans?
Experience faster, easier, and more reliable working capital finance
Competitive Interest Rates
Get attractive interest rates designed to reduce financial burden and support smooth cash flow management.
Flexible Loan Limits
Whether you’re a startup or an established business, choose a loan amount tailored to your working capital needs.
Fast Approval & Disbursement
Get quick application processing and fast disbursement to ensure your business operations never slow down.
Clear & Transparent Process
No hidden fees or complicated terms — just simple, transparent working capital finance.
Dedicated Business Support
Get expert assistance for eligibility, documentation, and faster loan approvals tailored for businesses.
Eligibility Criteria
Check the basic requirements for applying for a Tru Loans Working Capital Loan
| Criteria | Details |
|---|---|
| Age Limit | 21 – 65 years (should not exceed 70 at loan maturity) |
| Business Type |
Proprietorship, Partnership, LLP, Pvt. Ltd., and other registered businesses
(Business must be operational & income-generating) |
| Minimum Turnover |
Minimum annual turnover: ₹10 Lakhs – ₹40 Lakhs
(varies across lenders & industries) |
| Business Vintage |
Minimum 2 years of stable business operations
(startups may require alternative documentation) |
| Credit Score | Recommended 700+ (may vary by lender) |
| Financial Stability |
Profitability, cash flow stability, and bank statement strength are
evaluated
(lenders may request GST returns & ITRs) |
Documents Required
List of documents needed for Self-Employed and Business Owners
Self-Employed / Business Owners
- KYC: Photo, PAN, Aadhaar of Applicant & Co-applicants
- Business Registration Proof:
• Gumasta License (Proprietor)
• Partnership Deed (Partnership)
• MOA / AOA / Incorporation Certificate (Pvt. Ltd.)
• Udyam Registration / MSME Certificate - Latest 12 months Current Account Statements
- Financial Documents:
• Last 2 years ITR (Individual & Business)
• Computation of Income
• Balance Sheet & Profit/Loss Statement
• 3CD / 3CB (if applicable) - Latest 1 Year GST Returns
- Latest 6 months Savings Account Statements
- Business Address Proof (Electricity Bill / Rent Agreement)
- Loan Repayment Track Record (if any existing loans)
Professionals (Doctors, CAs, Consultants)
- KYC: Photo, PAN, Aadhaar
- Degree / Professional Qualification Certificate
- 12 months Bank Statement (Salary / Professional Income)
- Latest 2 years ITR / Form 16A
- Clinic / Office Address Proof (Rent Agreement / Utility Bill)
- Professional Practice Registration Certificate
Frequently Asked Questions
Get answers to the most common Working Capital Loan queries.
