Working Capital Finance — Cash Credit, Overdraft & WC Loans

Funding solutions designed to help businesses manage day-to-day operating requirements.

Cash CreditOverdraftWorking Capital Loans
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We do not publish fixed rates. Interest rate, amount and tenure are decided by the lender based on your profile.

Check your loan options

Takes about a minute. We call you back within 10 minutes in working hours.

Step 1 of 4Your requirement
Which loan do you need? *
₹
₹1 L₹5 Cr
Applying as *
GST registered? *
File income tax returns? *
No CIBIL score needed. We look at your turnover and bank statements instead.

Checking options does not affect your credit score.

Overview

Working capital facilities help businesses manage the gap between paying suppliers and receiving money from customers. Depending on your profile, options may include Cash Credit (CC), Overdraft (OD) limits or term working-capital loans from our lending partners.

Who it is suitable for

  • Traders, distributors and manufacturers with a regular operating cycle
  • Businesses with seasonal demand or long receivable cycles
  • Firms with stock and receivables that can be assessed by a lender
  • Businesses looking to renew or enhance an existing limit

Possible use cases

Paying suppliers and buying raw materialHolding inventory ahead of peak seasonManaging salaries and operating expensesBridging delays in customer payments

General eligibility factors

Lenders typically look at the following. There is no single fixed criterion — each lender applies its own policy.

  • Turnover and operating cycle
  • Stock and debtor levels
  • GST returns and banking conduct
  • Credit score and existing limits
  • Collateral (for CC/OD limits, as per lender policy)

Documents generally required

  • PAN
  • Aadhaar / permitted identity documents
  • Business registration documents
  • GST registration
  • Udyam registration
  • Business address proof
  • Bank statements
  • Income Tax Returns
  • GST returns
  • Profit & Loss statement
  • Balance Sheet
  • Existing loan statements
  • Property documents for secured loans

The actual document requirement varies according to the lender, product and applicant profile.

How the process works

  1. 01

    Tell us your requirement

    Share basic details about your business and the funding you need.

  2. 02

    We understand your business

    A finance advisor reviews your profile and requirement.

  3. 03

    Explore suitable options

    We help identify potentially suitable lending partners.

  4. 04

    Application & lender decision

    Complete documentation with the selected lender, who takes the final decision.

FAQs

What is the difference between CC and OD?

Cash Credit is typically linked to stock and receivables, while an Overdraft is often linked to security such as property or deposits. Exact structures vary by lender.

Is interest charged on the full limit?

For CC/OD facilities, interest is usually charged on the amount actually used. Terms are set by the lender.

Can I transfer my existing limit?

Takeover of an existing limit may be possible depending on the new lender’s policy and your repayment track record.

Important: MyBusinessLoans.in is a financial services facilitator and does not itself represent that it is a bank or lending institution. We assist customers in exploring financing opportunities from participating lending partners. Loan approval, sanction amount, interest rate, processing fees, tenure and all other lending terms are determined solely by the respective lender based on its policies and the applicant's eligibility. Submission of an application or enquiry does not guarantee approval or disbursement.