Get Cash Credit For
Your Business Needs!
Access cash credit to manage business working capital, cover short-term expenses, and support daily operations without blocking funds like a term loan. This facility suits recurring working capital loan requirements for growing businesses.
- Loan up to ₹5 Crore (Based on Profile)
- Tenure up to 12 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!
Highlights
Apply for Cash Credit Today!
Creditcares provides cash credit solutions through leading banks and NBFCs with interest rates linked to business profile and usage. This facility supports business working capital needs by giving easy access to funds for day-to-day expenses like raw material purchase, supplier payments, and operational costs. Unlike a term loan, cash credit allows flexible withdrawals within an approved limit, making it suitable for ongoing working capital loan requirements.
With limits aligned to business turnover, funds can be used as needed without repeated approvals. Creditcares works with multiple banks and NBFCs to support working capital loans for small business with a simple process, limited documentation, and quicker decisions. This helps businesses maintain steady working capital for small business operations and manage cash flow smoothly.
Cash Credit Loan Details
Cash Credit (CC) Interest Rates
Cash Credit interest rates generally range around 9% to over 20% (or even 30% for unsecured) per annum. The applicable cash credit interest rate depends on factors such as approved limit, nature of business, banking turnover, and lender policies. Each cash credit application is reviewed based on overall business profile and working capital requirement.
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
Below is the common list of documents required by banks for cash credit and business working capital facilities. Exact requirements may vary by lender.
- 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.
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- Deed
- Mother Deed
- Khazna
- Porcha
- Sanction Plan
- Tax Bill
What We Do?
At Creditcares, we act as a dedicated cash credit partner focused on simplifying business working capital financing. Our team works closely with banks and NBFCs to help businesses access the right working capital loan structure. From reviewing cash flow needs to arranging suitable credit limits, the entire process is handled with clarity and consistency.
We support businesses seeking working capital for small business operations by offering clear guidance and ongoing assistance throughout the application stage. Whether the requirement is daily expenses, short-term operational gaps, or recurring funding needs, Creditcares helps businesses use cash credit effectively to maintain smooth operations and steady cash flow.
Our Happy Clients
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.
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Businesses that are proprietorships, partnerships, or companies with stable turnover, proper bookkeeping, and a positive banking history can apply.
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The limit is usually based on your average turnover, cash flow, business performance, and lender evaluation.
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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.
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Typically, the tenure is 12 months, with the facility renewable annually based on business performance and lender evaluation.
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Common documents include business registration proof, bank statements, financial statements, PAN, and KYC documents of owners or partners.