What is a Working Capital · CC & OD and how is it used?

A Working Capital · CC & OD is a specialized financial facility designed to provide capital for business expansion, working capital, or asset purchase. For example, a Kolkata-based diagnostic center recently used a ₹50 Lakh unsecured facility to purchase new medical equipment, securing the funds in just 4 days at 11.5% interest.

What are the eligibility criteria and documents required for a Working Capital · CC & OD?

Eligibility requires a minimum CIBIL of 650, 2+ years of business vintage, and a minimum turnover of ₹40 Lakhs. Documents include 12 months bank statements, 2 years ITR, KYC, and business registration.

What are the interest rates and tenure for a Working Capital · CC & OD?

Interest rates for a Working Capital · CC & OD range from 10.5% to 18% annually depending on your CIBIL profile and whether collateral is provided. Tenure ranges from 12 to 180 months.

How does the application process work for a Working Capital · CC & OD?

The process is fully assisted. Your dedicated CreditCares advisor evaluates your profile, prepares a bank-ready file, and routes it to the specific lender most likely to approve it. Disbursal typically happens in 3 to 7 days.

Are there upfront fees for a Working Capital · CC & OD through CreditCares?

No. CreditCares operates on a success-fee model or is remunerated directly by the partner banks. You pay absolutely zero upfront advisory fees to have your profile evaluated and processed.

Home / Secured Loans / Working Capital · CC & OD

Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026

Working capital that matches your operating cycle.

Cash credit and overdraft limits sized to your inventory and receivables — so growth is never choked by the gap between paying suppliers and collecting from customers.

₹1–100 Cr

Limit size

CC · OD

Fund-based structures

Annual

Renewable, enhanceable limits

Overview

The limit is a formula — we make it work for you

🎥 Official CreditCares Video: Working Capital & Cash Credit Engine Guide Watch on YouTube ➔

Banks size working capital from your projected turnover and operating cycle: inventory plus receivables, less creditors. Presenting that cycle correctly is the difference between a limit that fits and one that strangles.

We structure fund-based (CC/OD) and non-fund-based (LC/BG) limits together, negotiate margins and interest, and manage renewals and enhancements as your turnover grows.

At a glance

StructuresCash credit, overdraft, WCDL

SizingTurnover / operating-cycle method

SecurityStock & book debts + collateral

ReviewAnnual renewal with enhancement

Who is eligible?

Businesses with 2–3 years' operations and GST records
Genuine working-capital gap from the operating cycle
Stock and receivables available as primary security
Collateral coverage as per lender norms
Clean conduct on existing limits

Documents you'll need

3 years' financials & ITR with GST returns
Stock & book-debt statements
12 months' bank statements of all accounts
Sanction letters of existing limits
KYC & constitution documents

Is your limit two sizes too small for your turnover? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.

Check your eligibility

Working Capital · CC & OD FAQs

Frequently Asked Questions

Everything you need to know about securing a Working Capital · CC & OD with CreditCares.

A Working Capital · CC & OD is a specialized financial facility designed to provide immediate capital for business expansion, working capital, or asset purchase.

Real Case Study: A Kolkata-based clinic recently used a ₹50 Lakh Working Capital · CC & OD through CreditCares to upgrade their equipment, securing the funds in just 4 days at 11.5% interest.

Check your Working Capital · CC & OD eligibility now →

To qualify for a Working Capital · CC & OD, lenders look for absolute stability. You need:

CIBIL Score: 650 or higher (Strict requirement for unsecured).
Vintage: Minimum 2–3 years in the current business.
Turnover: Minimum ₹40 Lakhs annual turnover.

Documents needed: 12 months bank statements, 2 years ITR with computation, GST returns, KYC, and Business Registration.

Upload your documents securely here →

Interest rates are strictly tied to your CIBIL score and financial health. We negotiate directly with 80+ lenders to secure the lowest bracket.

Facility Type	Interest Rate (p.a.)	Tenure
Unsecured Working Capital · CC & OD	14.5% – 18.0%	12 – 48 Months
Secured (with Property)	9.5% – 12.0%	Up to 15 Years

Get a personalized rate quote →

We do the heavy lifting so you can focus on your business.

Evaluation: A named advisory desk expert analyzes your bank statements.
File Preparation: We structure your application to highlight your strengths.
Sanction: We submit to the right lender. Approval takes 24–48 hours.
Disbursal: Funds are credited to your account within 3–7 days.

Start your application today →

Zero upfront fees. We are compensated directly by our 80+ partner banks and NBFCs upon successful disbursal, or we charge a transparent success fee only after the loan is sanctioned.

We are legally bound to act in your best interest to secure the maximum amount at the lowest possible rate.

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Tell us what you need. We'll do the running around.

Share a few details and a CreditCares expert will call you back to map your eligibility and shortlist the right lenders — at no cost.

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