WCTL

What is a Term Loan?

A Term Loan provides your business with a fixed amount of capital for a specific need, which you repay over time in equated monthly installments (EMIs). Whether you’re a retailer or distributor, we offer tailored loan options that match your cash flow cycles and growth plans.

Unsecured

Term Loans-

No Collateral,

No Delay

No security? No worries. Our Unsecured Term Loans are disbursed based on your financial strength, credit score, and business profile—no collateral required. Ideal for fast-moving businesses looking for:

Quick Disbursal

Get faster access to funds when you need them most. With minimal paperwork, digital processing, and expert support, Progcap ensures your WCTL is disbursed swiftly—so you can focus on business, not delays.

Shorter tenures

mean you repay your loan faster, reduce overall interest outgo, and become debt-free sooner—ideal for businesses seeking quick capital cycles and financial flexibility.

Fixed EMI repayments

With Fixed EMI Repayments, you pay a consistent amount every month throughout your loan tenure. This helps you plan your finances better, manage cash flow with ease, and avoid surprises—making your repayment journey predictable and stress-free.

Higher Approval Flexibility

Higher Approval Flexibility means Progcap considers a wider range of borrower profiles and business types, enabling more businesses to qualify for WCTL—without rigid traditional barriers.

Working Capital

Demand Loan (WCDL)

Finance your inventory purchases

directly through supply chain financing.

Disbursal Model:

Retailer → Funds go to the Distributor’s account
Distributor → Funds go to the Anchor’s account

Repayment: EMI-based with optional subvention plans

Best for: Businesses focused on stock procurement from anchors or brands

Business Loan (Short-Term

Loan - STL)

Direct capital infusion for your operational or working

capital needs.

Disbursal Model:

Retailer → Funds go to their own account
Distributor → Funds go to their own account

Repayment: Monthly or fortnightly EMI

Best for: Independent working capital management

Choose the Right Loan for Your Needs

Working Capital Demand Loan (WCDL)

Finance your inventory purchases directly through supply chain financing.

Disbursal Model:

Retailer → Funds go to the Distributor’s account
Distributor → Funds go to the Anchor’s account

Repayment: EMI-based with optional subvention plans

Best for: Businesses focused on stock procurement from anchors or brands

Business Loan (Short-Term Loan - STL)

Direct capital infusion for your operational or working capital needs.

Disbursal Model:

Retailer → Funds go to their own account
Distributor → Funds go to their own account

Repayment: Monthly or fortnightly EMI

Best for: Independent working capital management

What is a Term Loan?

Unsecured

Term Loans-

No Collateral,

No Delay

Quick Disbursal

Shorter tenures

Fixed EMI repayments

Higher Approval Flexibility

Choose the Right Loan for Your Needs

Working Capital

Demand Loan (WCDL)

Disbursal Model:

Business Loan (Short-Term

Loan - STL)

Disbursal Model:

Choose the Right Loan for Your Needs

Working Capital Demand Loan (WCDL)

Disbursal Model:

Business Loan (Short-Term Loan - STL)

Disbursal Model:

Useful Links

Partner

Desiderata Impact Ventures Private Limited

Grievance Redressal Officer

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