Get Cash Credit For
Your Business Needs!
Access funds instantly to manage working capital, cover short-term expenses, and support daily business operations.
- Loan up to ₹5 Crore
- Tenure up to12 Months
- Interest Only on Usage amount
- Collateral Required
- Minimum Documentation
Zero Fees & Charges
Lowest Interest Rates
Fully Online Process
50+ Banks & NBFC
Apply Now & Get Fast Approval!
Apply for Cash Credit Today!
CreditCares brings you Cash Credit through leading banks and NBFCs, with interest rates ranging from 8% to 30% p.a. Easy access to working capital, flexible limits, and solutions designed to meet your business requirements.
- 25 Banks
- 0 NBFC
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Cash Credit Loan Details
Cash Credit (CC) Interest Rates
Our Cash Credit interest rates range from 8.00% to 30.00% p.a. Interest rates may vary based on loan limit, business profile, and lender policies, with all factors considered while evaluating Cash Credit applications.
Eligibility Criteria for Cash Credit Loan
In addition to the above-mentioned eligibility criteria, Banks may also consider the credit score, Business profile, etc. of its applicants while evaluating their Overdraft Loan eligibility.
Documents Required for Cash Credit Loan
Here is the list of documents required by Banks for availing a Cash Credit Loan:
- Passport (optional)
- Driver’s license
- Aadhar card*
- Voter ID card
- PAN card*
- Utility bills (electricity, water, gas)*
- GST registration certificate.
- Partnership deed (for partnerships business)
- Memorandum and Articles of Association (for companies)
- Trade license
- Shop and Establishment certificate
- Udyam certification with annexure
- GST certificate
- Business bank statements
- Income tax returns of the business
- GSTR 3b
- Audited financial statements (Profit and Loss statement, Balance Sheet)
- Business income proof (such as sales invoices, contracts, or revenue statements)
- Passport-sized photographs
- References
- Any additional documents requested by the lender
- Having a co-applicant is mandatory.
- In certain cases, having a woman co-applicant is also mandatory.
- A co-applicant can be a spouse or any first blood relative, such as parents, siblings, or children who have attained the age of maturity (subject to the income-ownership grid).
- All co-owners of the property must be part of the loan structure.
- Friends cannot be co-applicants unless they are coming in the capacity of partners, directors, or shareholders.
- Deed
- Mother Deed
- Khazna
- Porcha
- Sanction Plan
- Tax Bill
What We Do?
At CreditCares, we are your trusted Cash Credit partner, dedicated to making working capital financing simple and accessible. Our experienced team connects you with the right lenders, guiding you through every step—from evaluating your cash flow requirements to securing flexible credit limits with top banks and NBFCs. As a premier Cash Credit facilitator, we ensure clients receive tailored solutions and a smooth application experience.
We take pride in our role as a leading Cash Credit provider by offering expert advice and personalized support. Whether you need funds for managing daily operations, short-term business expenses, or unexpected financial gaps, our team is committed to helping you access the right financing. Trust CreditCares as your preferred Cash Credit partner and experience a seamless process designed to keep your business running efficiently.
Our Happy Clients
Soumen Mondal2025-08-20Trustindex verifies that the original source of the review is Google. Excellent customer service Srians Gupta2025-08-07Trustindex verifies that the original source of the review is Google. Good service Krishna Shaw2025-08-07Trustindex verifies that the original source of the review is Google. Creditcares helps me a lot in providing loans. Ashutosh Mishra2025-08-07Trustindex verifies that the original source of the review is Google. Excellent service Ompraksh Jaiswal2025-07-25Trustindex verifies that the original source of the review is Google. Loan against property done with few documents and best rate of interest in a week. Financial services was very good and advisable to all of them Mahesh Das2025-07-21Trustindex verifies that the original source of the review is Google. Best loan service centreGoogle rating score: 4.9 of 5, based on 512 reviews
Frequently Asked Questions
A Cash Credit Loan is a short-term financing facility that allows businesses to withdraw funds up to a sanctioned limit to manage working capital and daily expenses.
Businesses that are proprietorships, partnerships, or companies with stable turnover, proper bookkeeping, and a positive banking history can apply.
The limit is usually based on your average turnover, cash flow, business performance, and lender evaluation.
Interest is charged only on the amount utilized, not the total sanctioned limit, with rates ranging from 8% to 30% per annum depending on the lender and business profile.
Typically, the tenure is 12 months, with the facility renewable annually based on business performance and lender evaluation.
Common documents include business registration proof, bank statements, financial statements, PAN, and KYC documents of owners or partners.