Working Capital Demand Loan vs Working capital Term Loan

What’s the difference between WCDL and WCTL?

WCDL (Working Capital Demand Loan): This is a short-term loan, usually for 3–6 months. Interest is charged monthly, and full repayment (bullet payment) is done at the end of the tenure—ideal for immediate cash flow needs.

WCTL (Working Capital Term Loan): This is an EMI-based term loan with a tenure of 3–5 years. Repayment is done in regular monthly installments (EMI), helping spread out the burden and plan better for long-term working capital requirements.

WCDL is best for seasonal or short-term requirements, while WCTL is for planned, steady cash flow management.

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