Working Capital Credit

Fluid Cash Flow Limits for Scaling Enterprises

Optimize your business operational liquidity with flexible Cash Credit (CC) and Overdraft (OD) limits up to ₹10 Crores. Pay interest only on utilized capital starting at 9.50% p.a.

Apply for Loan Check Eligibility

Limit Structure

Up to ₹10 Crores

Maximum Limit

₹10 Crores

Tenure Structure

Annual Renewal

Interest Payment

Only on Utilized

Collateral Accepted

Stock & Property

Features

Structured Working Capital

Dynamic corporate funding to support continuous cash flows, inventory acquisitions, and vendor invoices.

Cash Credit (CC) Facility

Secure funding against your hypothecated stocks, raw materials, work-in-progress inventory, and book receivables.

Flexible Overdraft (OD)

Establish a clean liquid capital buffer against fixed deposits, commercial property, or financial assets to resolve immediate cash deficits.

Daily Interest Computation

Interest is computed solely on the actual funds drawn and utilized on a daily basis, minimizing your monthly debt cost.

Qualifications

Eligibility Criteria

Qualification criteria to secure business credit lines.

Business Constitution Sole Proprietorships, Partnerships, Private Ltd Companies, or Public Ltd corporate structures.

Operational History Must be in active commercial operation for at least 3 consecutive financial years.

Financial Standing Positive operating profit (EBITDA) trend and acceptable debt-service ratios.

Required Documents

Please compile the following commercial records to start underwriting assessment:

Entity & Operations

GST Registration & 1 Year GST Returns
Partnership Deed / MOA & AOA
Current stock statement copy

Financial Records

3 Years Audited Financial Statements
12 Months Bank statements
ITR & Tax Audits copies

Note: Dynamic credit lines are structured and syndicated via premier Indian private, public, and cooperative banking institutions.

Apply for CC & OD Loan

Submit your basic business profile details to begin limit assessment with our syndication team.

Business Entity Name *

Contact Person Name *

Mobile Number *

Corporate Email Address *

Estimated Credit Limit Required *

Registered Office City *

Brief Business Activity Description (Optional)

I consent to Saraswat Capital Service Pvt Ltd contacting me regarding my CC OD Loan application details.