{"id":226623,"date":"2025-09-02T19:47:36","date_gmt":"2025-09-02T14:17:36","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=226623"},"modified":"2025-09-26T11:26:09","modified_gmt":"2025-09-26T05:56:09","slug":"working-capital-loan","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/working-capital-loan\/","title":{"rendered":"Working Capital Loan: Features, Types, Benefits &#038; Bank Exam Notes"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.oliveboard.in\/blog\/working-capital-loan\/#What_is_a_Working_Capital_Loan\" >What is a Working Capital Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.oliveboard.in\/blog\/working-capital-loan\/#Why_is_a_Working_Capital_Loan_Important_for_Bank_Exam_Aspirants\" >Why is a Working Capital Loan Important for Bank Exam Aspirants?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.oliveboard.in\/blog\/working-capital-loan\/#Features_of_Working_Capital_Loans\" >Features of Working Capital Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.oliveboard.in\/blog\/working-capital-loan\/#Types_of_Working_Capital_Loans\" >Types of Working Capital Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.oliveboard.in\/blog\/working-capital-loan\/#Advantages_and_Limitations\" >Advantages and Limitations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.oliveboard.in\/blog\/working-capital-loan\/#How_Banks_Evaluate_Working_Capital_Loan_Applications\" >How Banks Evaluate Working Capital Loan Applications<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.oliveboard.in\/blog\/working-capital-loan\/#RBI_Guidelines_and_Importance\" >RBI Guidelines and Importance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.oliveboard.in\/blog\/working-capital-loan\/#Practice_Questions_Working_Capital_Loan_Bank_Exams\" >Practice Questions: Working Capital Loan (Bank Exams)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.oliveboard.in\/blog\/working-capital-loan\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>A working capital loan (WCL) is a short-term loan taken by businesses to manage day-to-day operational expenses. Unlike long-term loans, it is not used for buying fixed assets like machinery or property. Instead, it helps businesses maintain smooth cash flow to cover essential costs such as payroll, rent, utility bills, raw materials, and debt payments.<\/p>\n\n\n\n<p>For bank exam aspirants, working capital loans are an important topic in banking awareness and financial literacy sections. Questions often focus on features, types, advantages, limitations, and RBI guidelines, making it essential to understand them thoroughly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_Working_Capital_Loan\"><\/span>What is a Working Capital Loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A working capital loan is a type of short-term financing designed to bridge the gap between operational needs and available cash. Companies with cyclical sales or seasonal businesses often use such loans during periods of low revenue to pay salaries, purchase inventory, and meet other obligations.<\/p>\n\n\n\n<p>Key points:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Short-term financing for daily operations.<\/li><li>Can be secured (with collateral) or unsecured (based on creditworthiness).<\/li><li>Repayment usually aligns with the business\u2019s cash flow cycle.<\/li><li>Helps avoid disruption in operations during low-revenue periods.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_is_a_Working_Capital_Loan_Important_for_Bank_Exam_Aspirants\"><\/span>Why is a Working Capital Loan Important for Bank Exam Aspirants?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Understanding working capital loans is crucial for aspirants because:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>They are common topics in banking exams such as <strong><a href=\"https:\/\/www.oliveboard.in\/sbi-po\/\" target=\"_blank\" rel=\"noreferrer noopener\">SBI PO<\/a><\/strong>, IBPS PO\/Clerk, RRB, and<strong><a href=\"https:\/\/www.oliveboard.in\/lic-aao\/\" target=\"_blank\" rel=\"noreferrer noopener\"> LIC AAO<\/a><\/strong>.<\/li><li>Exam questions often cover types of loans, advantages, limitations, and RBI regulations.<\/li><li>Awareness of WCLs improves financial literacy and <strong><a href=\"https:\/\/www.oliveboard.in\/blog\/insurance-awareness-for-lic-aao\/\" target=\"_blank\" rel=\"noreferrer noopener\">Insurance Awareness<\/a><\/strong> scores.<\/li><li>Helps aspirants understand short-term vs long-term business financing.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Features_of_Working_Capital_Loans\"><\/span>Features of Working Capital Loans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Working capital loans have specific characteristics that differentiate them from other loans. Knowing these features is useful for exam preparation:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Explanation<\/strong><\/td><\/tr><tr><td>Loan Type<\/td><td>Short-term loan to cover operational expenses<\/td><\/tr><tr><td>Purpose<\/td><td>To manage daily cash flow and avoid disruption in business<\/td><\/tr><tr><td>Collateral<\/td><td>Can be secured with assets or unsecured based on creditworthiness<\/td><\/tr><tr><td>Interest Rate<\/td><td>Generally higher for unsecured loans due to risk<\/td><\/tr><tr><td>Repayment<\/td><td>Often aligned with seasonal business cycles<\/td><\/tr><tr><td>Credit Linkage<\/td><td>May be tied to the personal credit of business owners<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types_of_Working_Capital_Loans\"><\/span>Types of Working Capital Loans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Businesses can access working capital through several financing methods:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Type<\/strong><\/td><td><strong>Description<\/strong><\/td><td><strong>Example<\/strong><\/td><\/tr><tr><td>Term Loan<\/td><td>Short-term loan with fixed repayment schedule<\/td><td>\u20b910 lakh loan for 6 months to pay salaries<\/td><\/tr><tr><td>Business Line of Credit<\/td><td>Flexible access to funds as needed<\/td><td>Revolving credit of \u20b95 lakh for inventory purchase<\/td><\/tr><tr><td>Invoice Financing<\/td><td>Loan based on unpaid invoices<\/td><td>Lender advances 80% of invoices pending from clients<\/td><\/tr><tr><td>Business Credit Card<\/td><td>Used for operational expenses and rewards<\/td><td>Credit card for office utilities and travel<\/td><\/tr><tr><td>Collateralized Loan<\/td><td>Loan backed by business assets or inventory<\/td><td>Loan secured by warehouse inventory<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.oliveboard.in\/test-series\/\" target=\"_blank\" rel=\"noreferrer noopener\">Planning to prepare for bank exams? take a free mock test now to test exam level<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Advantages_and_Limitations\"><\/span>Advantages and Limitations<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Working capital loans have several benefits but also some limitations. Aspirants should remember them for banking and reasoning questions.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Advantages<\/strong><\/td><td><strong>Limitations<\/strong><\/td><\/tr><tr><td>Ensures smooth day-to-day operations<\/td><td>High interest rates, especially for unsecured loans<\/td><\/tr><tr><td>Helps businesses handle seasonal or cyclical revenue gaps<\/td><td>May require collateral for secured loans<\/td><\/tr><tr><td>Quick and easy to obtain for eligible businesses<\/td><td>Defaults can negatively affect owner\u2019s credit score<\/td><\/tr><tr><td>Maintains control without selling equity<\/td><td>Over-reliance may lead to financial stress<\/td><\/tr><tr><td>Can be structured as flexible financing (line of credit)<\/td><td>Repayment terms may be short, requiring careful cash management<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Banks_Evaluate_Working_Capital_Loan_Applications\"><\/span>How Banks Evaluate Working Capital Loan Applications<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Banks and financial institutions assess several factors before approving a working capital loan:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Financial statements and cash flow projections.<\/li><li>Credit history of the business and owners.<\/li><li>Nature of business and seasonal revenue fluctuations.<\/li><li>Collateral offered (if any).<\/li><li>Repayment capacity based on expected cash inflows.<\/li><\/ul>\n\n\n\n<p>Many bank exams ask eligibility criteria, collateral requirements, and risk assessment related to WCLs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RBI_Guidelines_and_Importance\"><\/span>RBI Guidelines and Importance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>While RBI does not directly lend working capital, it regulates banks providing WCLs to ensure financial stability and credit discipline. Key points include:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Banks may tie working capital limits to turnover or cash flow.<\/li><li>Loans can be secured or unsecured, depending on risk assessment.<\/li><li>RBI encourages banks to provide short-term credit to MSMEs, which often rely on working capital loans.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.oliveboard.in\/courses\/\" target=\"_blank\" rel=\"noreferrer noopener\">Looking for expert guidance to prepare for bank exams? click here<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Practice_Questions_Working_Capital_Loan_Bank_Exams\"><\/span>Practice Questions: Working Capital Loan (Bank Exams)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\"><li>What is the main purpose of a working capital loan?<\/li><li>Are working capital loans used to buy long-term assets?<\/li><li>Name two types of working capital financing besides term loans.<\/li><li>What is the difference between secured and unsecured working capital loans?<\/li><li>Why are working capital loans important for seasonal businesses?<\/li><li>How can defaults on a working capital loan affect a business owner?<\/li><li>Which type of working capital financing is based on unpaid invoices?<\/li><li>Name one advantage of a working capital loan over selling equity.<\/li><li>List two factors banks consider before approving a working capital loan.<\/li><li>How does RBI regulate working capital loans for MSMEs?<\/li><\/ol>\n\n\n\n<p>Answer Key:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>To finance day-to-day operational expenses<\/li><li>No, they are used for short-term operational needs<\/li><li>Business line of credit, invoice financing, business credit cards<\/li><li>Secured loans require collateral; unsecured loans are based on creditworthiness<\/li><li>To cover cash flow gaps during low-revenue periods<\/li><li>It may harm the owner\u2019s personal credit score<\/li><li>Invoice financing<\/li><li>The owner retains full control of the business<\/li><li>Financial statements, credit history, collateral, repayment capacity, nature of business<\/li><li>By setting guidelines for banks to provide short-term credit limits and risk management policies for MSMEs<\/li><\/ol>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.oliveboard.in\/upcoming-government-exams\/\" target=\"_blank\" rel=\"noreferrer noopener\">check upcoming govt exam list<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1756821826906\"><strong class=\"schema-faq-question\">Q1: What is a working capital loan?<\/strong> <p class=\"schema-faq-answer\">Ans: A working capital loan is a short-term loan provided to businesses to cover daily operational expenses such as payroll, rent, raw materials, and utility bills. It helps maintain smooth cash flow.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756821897251\"><strong class=\"schema-faq-question\">Q2: Who can avail a working capital loan in India?<\/strong> <p class=\"schema-faq-answer\">Ans: Businesses of all types, including MSMEs, startups, and established companies, can apply for a working capital loan. Banks evaluate the creditworthiness, financial statements, and repayment capacity of the business.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756821912984\"><strong class=\"schema-faq-question\">Q3: What are the types of working capital financing?<\/strong> <p class=\"schema-faq-answer\">Ans: Common types include term loans, business lines of credit, invoice financing, business credit cards, and collateralized loans. Each type serves different operational needs.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756822000826\"><strong class=\"schema-faq-question\">Q4: What are the main advantages of a working capital loan?<\/strong> <p class=\"schema-faq-answer\">Ans: Working capital loans ensure smooth operations, manage cash flow gaps, allow owners to retain control, and can be flexible in terms of repayment and usage.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756822015606\"><strong class=\"schema-faq-question\">Q5: What risks are associated with working capital loans?<\/strong> <p class=\"schema-faq-answer\">Ans: Risks include high interest rates for unsecured loans, requirement of collateral for secured loans, impact on personal credit score in case of default, and potential over-reliance on the loan for cash flow.<\/p> <\/div> <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/idbi-jam-exam-analysis\/\">IDBI JAM Exam Analysis 2026, 12th April Shift 1 Exam Review<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/nabard-development-assistant-exam-analysis\/\">NABARD DA Mains Exam Analysis 2026, 12th April Review<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-assistant-exam-analysis\/\">RBI Assistant Prelims Exam Analysis 2026, 11th April Exam Review<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/up-cooperative-bank-salary\/\">UP Cooperative Bank Salary 2026, Bank Wise Pay Scale<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/up-cooperative-bank-syllabus\/\">UP Cooperative Bank Syllabus and Exam Pattern 2026<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/up-cooperative-bank-notification\/\">UP Cooperative Bank Recruitment 2026, Application Ends Soon<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n","protected":false},"excerpt":{"rendered":"<p>A working capital loan (WCL) is a short-term loan taken by businesses to manage day-to-day operational expenses. Unlike long-term loans,<\/p>\n","protected":false},"author":60,"featured_media":229459,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,31],"tags":[17913],"class_list":["post-226623","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-bank-exams","tag-working-capital-loan","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Working Capital Loan: Features, Types, Benefits &amp; Bank Exam Notes<\/title>\n<meta name=\"description\" content=\"Learn about working capital loan, types, features, advantages, and risks with exam-focused notes for SBI PO, IBPS, RRB &amp; banking exams.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.oliveboard.in\/blog\/working-capital-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Working Capital Loan: Features, Types, Benefits &amp; Bank Exam Notes\" \/>\n<meta property=\"og:description\" content=\"A working capital loan (WCL) is a short-term loan taken by businesses to manage day-to-day operational expenses. Unlike long-term loans, it is not used\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.oliveboard.in\/blog\/working-capital-loan\/\" \/>\n<meta property=\"og:site_name\" content=\"Oliveboard\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Oliveboard\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-02T14:17:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-26T05:56:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/09\/Working-Capital-Loan.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"730\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Tripti Mishra\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Oliveboard\" \/>\n<meta name=\"twitter:site\" content=\"@Oliveboard\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tripti Mishra\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/working-capital-loan\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/working-capital-loan\/\"},\"author\":{\"name\":\"Tripti Mishra\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#\/schema\/person\/d85e63b0781e1a55771b9894184814a5\"},\"headline\":\"Working Capital Loan: Features, Types, Benefits &#038; 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