Working Capital / Cash Credit
Cash Credit and Overdraft facilities that keep day-to-day operations, inventory and receivables running smoothly.
What Is Working Capital / Cash Credit?
Cash Credit is the backbone of business liquidity — a revolving limit arranged against hypothecation of stock, goods, book debts or property, letting you draw funds as operational needs arise.
Overdraft Facility works similarly, but with the flexibility of paying interest only on the amount and days actually utilised, calculated daily on the fluctuating balance.
Key Features & Benefits
- Revolving limit against hypothecation of stock / goods / receivables
- Interest charged only on utilised amount (OD facility)
- Flexible withdrawal and deposit at any time
- Renewable annually based on business performance
- Helps manage seasonal and cyclical cash-flow gaps
Eligibility Criteria
- Existing business with current account banking history
- Stock statement and margin maintenance capability
- Latest 1-year current account banking (as reflected in balance sheet)
- GST returns and financial statements as applicable
End Use Of Funds
- Inventory and raw-material purchase
- Managing receivables cycle
- Seasonal working-capital gaps
- Meeting short-term operational expenses
- Bridging order-to-payment timelines
Or call +91 8087674850
Figures shown are indicative and vary by lender, rating and case profile. Your sanctioned terms are confirmed only in the lender's sanction letter.
From Enquiry To Disbursement In 4 Steps
Share Your Requirement
Tell us your funding need — amount, purpose and business profile — via form, call or WhatsApp.
Document Assessment
Our advisory team reviews your documents and matches you with the right lender / product.
Sanction & Approval
We coordinate with banks and NBFCs for evaluation, valuation and credit sanction.
Disbursement
Funds are disbursed directly to your business bank account after final agreement.