Working Capital
Working capital finance — structured around your cash cycle.
CC, OD, bill discounting and post-shipment lines work only when they match how your money actually moves. We design that match.
The right product for the right cycle
Cash Credit
Stock and debtor-backed limit for trading and manufacturing. Monthly DP statement.
Overdraft
Cash-flow-based revolving limit. See /business-overdraft for variants.
Bill Discounting
Advance against verified invoices — convert receivables to cash within 48 hours.
Post-Shipment Finance
Export-friendly limits backed by shipping documents and LC.
What lenders actually read in a WC file
- Banking average balance vs drawing power
- Debtor ageing — anything above 90 days is haircut
- Stock statement consistency across months
- GST turnover reconciled with ITR
- Existing CC/OD utilisation with other lenders
- CIBIL enquiries in the last 6 months
FAQ
Common questions
What's the difference between Cash Credit and an Overdraft?+
Cash Credit (CC) is stock-and-debtor-backed — the limit is drawn against your inventory and receivables, with monthly DP statements. An Overdraft (OD) is typically cash-flow-based or against an asset like FD/property. CC suits traders and manufacturers; OD suits service businesses and professionals.
How is a working-capital limit calculated?+
Most lenders use a holding-period formula — raw material days + WIP days + debtor days, less creditor days — applied to your turnover. A clean banking trail and GST turnover that reconciles with ITR are what get the formula to land in your favour.
Can I get working capital without collateral?+
Yes — up to ₹5 Cr under CGTMSE for eligible MSMEs, or unsecured OD lines from NBFCs typically up to ₹50 L based on banking strength. Beyond that, stock/debtor or property collateral unlocks larger limits at lower rates.
Next step
Get your file reviewed before you apply again.
Share basic details — a senior advisor will read your profile, diagnose what's blocking approval, and tell you exactly what to fix first.
- No CIBIL pull until strategy is agreed
- No blind portal submissions
- Review by a senior advisor — not a call-centre agent
Explore further
Continue your funding readiness journey
Funding Readiness Assessment
Score your business against the 6 pillars lenders actually evaluate.
Why Loan Applications Get Rejected
The 8 silent killers behind approval failures — and how to fix each.
Tax Planning for Loan Eligibility
How ITR & GST decisions today decide your borrowing capacity tomorrow.
Business Loan vs LAP
Which structure actually fits your cash flow, risk and tenure.
Credit Profile Improvement
From low CIBIL or rejection to a fundable file — the structured way.