Working capital is the most relationship-driven SME product. The leads here come from SME RMs whose customers needed a faster turnaround, a higher limit, or a different security profile than the home bank offered. Common segments: traders needing CC limits for inventory build-up before festive seasons, exporters using pre-shipment / post-shipment credit, MSMEs under CGTMSE, and professional services firms (clinics, design studios, IT consultancies) needing operating-cycle finance. Deal sizes mostly ₹25L–₹5Cr, with documentation already partially curated by the posting RM.