Working capital loans are provided for stocking inventory and/or providing credit to maintain a healthy working capital cycle of a business. Working capital loans can be divided into two major categories, fund based and non-fund based. Fund based credit facilities such as cash credit facilities can be used by a business like cash for purchasing or stocking inventory and other items needed for operating the business. Non-fund based limits on the other hand are guarantees given by the bank based on the credit-worthiness of the borrower. Non-fund based limits such as Letter of Credit allows the borrower to purchase or stock inventory on credit terms from the supplier.