Cash jyare joie, tyare.Working capital that flexes with you.
Overdraft (OD), Cash Credit (CC) and working-capital term loans that flex with your business. Renewable annually, draw only what you need, pay interest only on used amount.
Pick the structure that fits your cashflow.
Cash Credit (CC)
Drawing power calculated on stock + receivables. Best for manufacturers and traders with regular inventory cycles.
Overdraft (OD)
Current account with negative balance limit. Use & repay multiple times, perfect for fluctuating cash needs.
WC Term Loan
Fixed-amount term loan for long-cycle businesses, repaid in monthly EMIs over 3–5 years.
Bill Discounting
Get cash against buyer-accepted invoices. Funds advanced upfront, payable when buyer pays.
Secured & Unsecured
Unsecured WC available up to ₹50 L. Above that, hypothecation of stock & debtors is standard.
Annual Renewal
Limits are reviewed and renewed each year. Good repayment history typically gets you an enhanced limit.
Are you eligible?
Business 3+ years
Operational track record of 3+ years, with audited financials and GST returns.
Turnover ₹1 Cr+
Annual turnover of ₹1 Cr or higher. The WC limit is typically 20–25% of annual turnover.
CIBIL 700+
Both promoter and business CIBIL of 700+ for best rates. We help review and improve if needed.
Profitable Last Year
Net profit in the most recent financial year, positive cash flows, and no major banking irregularities.
What you'll need
- PAN + Aadhaar of promoters
- GST + Udyam / Business reg.
- Audited financials (3 yrs)
- Last 12 mo bank statement
- Stock & debtors statement
- CMA data (above ₹1 Cr)
Limit live in 7–10 days.
Documentation
We compile financials, CMA, stock & debtor data into a clean proposal.
Lender Submission
Proposal submitted to 2–3 shortlisted lenders for competitive rates.
Assessment
Lender visits unit, verifies stock, runs credit checks, issues sanction.
Limit Activation
Documentation, hypothecation, account opening, limit live for drawing.
FAQs
Cash flow tight? Setup your WC line.
Free CMA review + best-fit lender match. Get the right limit and rate, avoid the run-around.