Every Enterprise namely company/firm/individual requires money to meet the day to day business operations, for purchasing stocks and for acquiring raw materials for processing and conversion to finished goods. Andhra Bank provides finance to purchase inventory directly by providing funded limits. Andhra Bank also provides receivables finance to provide liquidity to the customers

Secured overdraft against mortgage of urban/semi-urban immovable properties can be sanctioned to meet the genuine working capital requirement of Hotels, Restaurants, Hospitals, Nursing Homes etc. Apart from these, there is a provision to sanction the facility to traders, contractors, real estate builders, educational institutions etc. for working capital purposes in cases where the identification of primary security is not possible.