CapitalBox – Business Loan for Wholesale Traders

Wholesale trading is the backbone of supply and distribution. Traders often deal in bulk purchases, require large working capital, and face challenges when payments are delayed. To keep the cycle running smoothly, financial support becomes essential. CapitalBox Business Loan for Wholesale Traders is designed to solve these challenges and provide stability as well as growth opportunities.

CapitalBox makes the borrowing process simple and transparent. The application starts online, where traders can fill out a basic form. After this, a quick evaluation of the business profile, turnover, and documents is carried out. Once eligibility is confirmed, approvals are provided in hours, and the funds are transferred directly to the trader’s bank account. The repayment process is equally easy, with flexible EMI options and digital tracking facilities.

A wholesale loan can be used in many productive ways. Traders can purchase inventory in bulk at discounted rates, manage day-to-day working capital, or even expand to new warehouses and storage units. It also helps in maintaining good relations with suppliers by making timely payments. Beyond that, the funds can be utilized for logistics, packaging, delivery, and adopting digital wholesale management tools.

The eligibility criteria remain simple. Wholesale traders should have a minimum business vintage of one year and monthly sales of at least ₹2,00,000. A valid GST registration or Shop & Establishment Certificate is required to apply. This ensures that genuine and active traders get fast access to finance.

The documentation process is also minimal. Traders need to submit their PAN card, proof of residence such as Aadhaar or Passport, and the last six months of current account bank statements. For business verification, any one of GST Registration, Shop & Establishment Certificate, or Business PAN card is accepted.

When it comes to charges, CapitalBox ensures full transparency. Interest rates are competitive, starting from 12% per annum based on the business profile. A one-time processing fee of 1% to 2% is applicable, and penal charges are only levied in case of delayed EMIs. There are no hidden charges, so traders can plan their finances with complete clarity.

Choosing CapitalBox gives wholesale traders several advantages. The process is quick, paperless, and designed for modern businesses. The flexible loan tenure makes repayment easy, and the transparent pricing builds trust. Most importantly, CapitalBox understands the unique needs of wholesale traders and offers tailored solutions that truly act as a growth partner.