The normal practice is sanctioning Term loan and working capital at a go in one sanction letter.
Under capitalization destroyed your business and in case of FMCG like hotel, where there are no credits for sales, and credit from shops are available, no one can judge, where there was the blunder.
Issue a notice to Bank for releasing working capital loan as per project report, and then file a complaint in consumer forum for deficiency of services and killing an enterprise and seeking compensation for the loss suffered.
(This is a lesson to entreprenurs that term loan should not be utilized unless there is a working capital sanction)
Alternatively you can bring in a working capital partner and develop the business.