Velixa CapitalVelixa Capital

For Traders

Funding for Traders — Working Capital, Stock Finance & Receivables Backing

Trading businesses need fast, flexible working capital. From bank CC to fintech GST-loans to bill discounting — here's how we structure it.

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Traders run on thin margins and fast cycles. The financing need is almost always working capital — to buy stock, sell on credit, bridge the receivables gap. Velixa Capital structures the right combination of CC, OD, bill discounting and GST-based loans for traders — based on your turnover, buyer profile, and stock cycle. We don't push a single product; we match the instrument to the use of funds.

How we help traders

Working capital CC setup

Bank CC against stock + receivables is the cheapest working capital (10–13% p.a.). We help with stock statement format, drawing power computation, and bank negotiation.

Bill discounting setup

Against accepted invoices from creditworthy buyers. We identify which of your buyers qualify, set up the limit, and structure the discounting arrangement.

GST-based fintech loan

For fast small-ticket needs (₹5–25 L). We match you to the right fintech based on your GST turnover and banking profile — avoiding the trap of applying to 5 and damaging your CIBIL.

Term loan for expansion

For warehouse, vehicles, or one-time capex. Asset-backed, longer tenure. Combined with CC for working capital — the right mix for a growing trader.

Buyer reconciliation

If your buyers are large corporates, PSUs, or government departments, we structure bill discounting that monetises their creditworthiness — often at rates 4–6% lower than OD.

Lender match

Some banks prefer commodity traders; others prefer branded goods distributors; NBFCs are flexible but pricier. We match your trading profile to the right lender's policy box.

Typical trader engagement

  • Review of last 12 months GST returns, ITR, banking
  • Assessment of buyer profile — creditworthy buyers enable bill discounting
  • Stock and receivables ageing analysis
  • Shortlist 1–2 best-fit lenders based on your trading line and turnover
  • Prepare complete documentation pack (stock statement, buyer list, KYC, ITR, GST)
  • Negotiate rate, drawing power %, margins
  • Disbursement coordination and post-disbursement support (monthly stock statements)

Common trader scenarios

Traders we've helped — and what we did

Commodity trader, ₹20 Cr turnover, ₹60 L profit

Bank declined unsecured loan (DSCR borderline). Structured ₹2 Cr CC at 11% + ₹50 L bill discounting against corporate buyers. Total working capital ₹2.5 Cr at blended 12% rate.

FMCG distributor, principal-dependent

Principal's dealer financing available but only ₹30 L. Top-up with bank CC of ₹75 L against stock + receivables. Total working capital ₹1.05 Cr — supports festival season build-up.

B2B trader with strong buyers but thin ITR

ITR profit ₹8 L, GST turnover ₹4 Cr. Bill discounting against the corporate buyers — ₹1 Cr limit at 12% (vs NBFC OD at 18% that would have been the alternative).

Cash-heavy trader switching to digital

6-month cleanup of banking (insisted on UPI/RTGS from buyers), then secured ₹40 L bank CC at 11% (vs 22% fintech rate pre-cleanup). Interest savings of ₹4.4 L/year.

FAQ

Common questions

I have ₹5 Cr GST turnover but only ₹15 L ITR profit — can you help?+

Yes — this is a common trader profile. Traditional bank MSME loans will decline (DSCR fails on ₹15 L profit). We'd structure: (1) Bill discounting against your creditworthy buyers (rate 11–15%, doesn't depend on your profit); (2) NBFC working capital OD on turnover basis (rate 16–20%); (3) GST-based fintech loan (₹25 L–₹1 Cr, rate 16–22%). The right mix depends on your buyer profile and ticket need.

My buyers take 60–90 days to pay — how do I finance the gap?+

Bill discounting is purpose-built for this. The lender pays you upfront against your accepted invoices (less a discount), then recovers from your buyer on due date. Rate is typically 11–15% p.a. — cheaper than OD — and the limit grows with your sales. Most useful when your buyers are creditworthy (large corporates, PSUs, government).

I sell on Amazon and Flipkart — is that 'trading'?+

Yes — e-commerce selling is a form of trading. The financing options are slightly different (marketplace seller financing, settlement-linked loans, GST-based fintech loans). See our dedicated e-commerce seller page for the specific structure. We help both traditional B2B traders and online marketplace sellers.

Next step

Get your file reviewed before you apply again.

Share basic details — a senior advisor will read your profile, diagnose what's blocking approval, and tell you exactly what to fix first.

  • No CIBIL pull until strategy is agreed
  • No blind portal submissions
  • Review by a senior advisor — not a call-centre agent

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