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