Keep day-to-day operations running smoothly with flexible short-term funding.
Cash credit & overdraft facilities
Loan amount up to ₹1 Crore
Renewable annually
Interest charged only on utilized amount
Business vintage of 1+ years
Existing banking relationship (preferred)
Positive operating cash flow
CIBIL score of 700 or above
Indicative rates — your final rate depends on profile, lender and loan amount.
| Parameter | Details |
|---|---|
| Interest Rate | 11% – 18% p.a. |
| Loan Amount | ₹1 Lakh – ₹1 Crore |
| Renewal | Every 12 months |
| Processing Fee | 1% – 2% |
Bridges seasonal cash flow gaps
Flexible drawdown & repayment
Interest charged only on funds used
Supports inventory & receivables cycles
A simple, guided journey from your first inquiry to money in your account.
Share your requirement with us in under 2 minutes.
Our expert understands your profile and goals.
Doorstep pickup of all required paperwork.
We coordinate directly with the lender for you.
Sanction letter issued after successful review.
Funds credited directly to your account.
A working capital loan funds short-term operational needs (inventory, payroll, receivables), while a term loan funds long-term assets like equipment or property.
It depends on the loan amount — smaller limits are often unsecured, while larger limits may require stock/receivables as security.
For cash credit/overdraft facilities, interest is charged only on the amount you actually utilize, not the entire sanctioned limit.
Yes, working capital limits are typically reviewed and renewed annually based on your business performance.
Talk to our loan experts today — free consultation, no obligation.
