Unsecured Overdraft Loan

Have Business in Kolkata?
Get pre-approved limit of ₹30 lakhs onwards


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What is a Overdraft and Why Should You Consider It?

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An overdraft is a financial facility that allows businesses to withdraw more money than they have in their account, up to a pre-approved limit. This flexible option helps manage short-term cash flow needs, ensuring operations continue smoothly even when funds are low.

Considering an overdraft is beneficial because it provides immediate access to additional funds without a separate loan application. This helps manage unexpected costs and seasonal fluctuations, giving businesses peace of mind and stability.

CreditCares' online overdraft facility offers essential financial support with competitive interest rates, ensuring critical business expenditures remain intact. Apply for a swift overdraft from CreditCares today and secure your business's financial flexibility!

Whether you’re a small business owner or a growing enterprise looking for loan in kolkata, our business loan is designed to help you achieve your business objectives.

Key Feature's

Loan amount

30 Lakh - 1 Crore's

Loan Tenure up-to

48 months

Loan Sanction in 

2 days

Disbursement time

5-6 days

Eligibility & Documentation

Who Can Apply?

Business owners, including sole proprietors, partnerships, corporations, and LLCs, can apply for business loans. Eligibility generally requires a good credit score, a solid business plan, and financial statements demonstrating revenue and profitability.


CIBIL Score of 700 or higher

Business operational for 2+ years

12 months bank statement

Gst Registration Certificate 

Get your loan in 4 easy steps


Apply for Loan

Complete the loan application form online with your personal and financial details.


Documentation and KYC

Submit necessary documents and undergo KYC verification to ensure compliance with regulatory requirements.


Accept the Loan Offer

Review the loan offer, including terms like loan amount, interest rate, and repayment schedule. If it fits your needs, accept it.



Once you accept the offer, the lender will transfer the funds to your bank account.

Documents Required

Ensure smooth processing of your business loan application by providing the necessary documents.
  • 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.

Our Happy Clients

Discover the success stories of our satisfied business loan recipients. From entrepreneurs to established business owners,
Costumer's Rating
Big thanks to Creditcares! Mere business ke liye ek perfect rate me loan mil gaya. very fast process, aur mera cibil bhi ab 740+ hogya. Props to the team for keeping it real and helping me level up

Frequently asked questions

Credit Cares offers a variety of loan options tailored to meet your specific needs, including personal loans, home loans, vehicle loans, education loans, and business loans.

Eligibility criteria vary depending on the type of loan you are applying for. Generally, factors such as income, credit history, age, employment status, and collateral may influence eligibility. Our representatives will guide you through the specific requirements for each loan type.

While the exact documentation may differ based on the type of loan, common documents typically include proof of identity, address proof, income documents (such as salary slips or tax returns), bank statements, and property documents if applicable. Our team will provide you with a comprehensive list to facilitate a smooth application process.

Once you submit your loan application along with the required documents, our team will review your application carefully. The approval process involves assessing various factors such as your creditworthiness, repayment capacity, and the value of collateral (if any). We strive to provide prompt decisions and keep you informed at every step of the process.

Interest rates and repayment terms vary depending on the type of loan, prevailing market conditions, and individual credit profiles. Our goal is to offer competitive interest rates and flexible repayment options tailored to suit your financial circumstances. Our representatives will provide you with detailed information regarding interest rates, EMI calculations, and repayment schedules.

Transparency is paramount at Credit Cares, and we believe in providing clear and upfront information regarding all associated charges and fees. While there may be certain processing fees, documentation charges, or prepayment penalties, we ensure that these are communicated to you in advance to avoid any surprises. Our aim is to maintain complete transparency throughout the loan process and address any queries or concerns you may have.

Still have questions?

Don’t spend hours researching loans, just head to our FAQs section and get all your questions answered in no time.