Working Capital Loan

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*This is a proposition by Finja Lending Services

Structured for restaurant businesses to meet their financing needs, this lending product enables a restaurant owner to manage their cash-flow, manage employee salaries, upgrade and revamp their space or invest in advertising.

Not the right choice for you? Click here for other options

Who is this for?

This credit solution is the right choice for restaurants who are looking for that extra kick to make upgrades, settle expenses, invest in new projects or simply reconcile their cash flows. This is a digital and instant capital solution for all SMEs all across the country. We are offering the most competitive rates without long lines or paperwork.

How does it work?

The process is completely digital and requires no paperwork at all. We’ve made it simple and easy. Follow the simple steps below to avail your instant credit now!

Fill out this online application. Your credentials will help our algorithms come up with the best solution for you. We churn out the loan amount that suit your needs and an amount that you can repay easily.

Once we have approved your application all you need to do is download the Finja App.

Select ‘loans’ in the Finja App and here you will see a list of your pre-approved loans. Select ‘B2B Financing’ and request the amount you wish to credit. Confirm the amount and the due date (90 day tenure)

The amount will be instantly credited net of service fee (3%-4%) to your wallet.

Before your due date we will send you a reminder and you can repay the loan directly using the Finja App. Select ‘loans’ and click on ‘repay’. Enter the payable amount. This will instantly be reflected towards your balance. Once you have repaid the payable amount you can apply again just through the app now.


1.How can I apply?
If you are a SME looking for capital to grow your business, all you need to do is fill out this online application and follow the simple steps above. Reach out to us and one of our financial advisors can consult you with the best solution for your business.
However, if that is not the case then we have other options for you to choose from.
Working Capital financing follows a tenure of 90 days with flexible repayment options for you to manage your business you wa. Shorter sales cycle, rapid growth and the optimal bottom line. To repay the loan simply log on to your Finja App and select the loans tab. Select ‘repay’ and enter the payable amount. This will be reflected instantly towards your loan balance. The collection process is digital which makes it quick and hassle free. There is also a cash-based repayment option for you.
The tenure of this loan is 90 days making it easy for you to manage your budget. However, in the unlikely event you are not able to repay you can call us in with your concerns and we can find a way out for you. We have a team of specialised advisors that can help you consolidate your debt so it does not negatively impact your credit history.
The form you fill out allows our real time algorithms that use AI and machine learning to determine the loan amount using your credentials. The algorithms churn out the most suited loan amount for you. Our business analysts come up with the optimal capital amount upon assessing your business credentials.
This is an exclusive financial solution tailored towards retailer with competitive service fee. There is a service fee ranging from 3%-4% taken upfront before the loan is disbursed. The fee depends on your past repayment history,your previous sales cycle, any other debt, the credibility of your credentials and other variants that our algorithm uses.
We are here and happy to help with any questions or concerns. There are a number of ways you can reach us.