Working Capital Loans
Quick Reference for Your Business
Cash Credit / OD / Limits โ everything you need to know about Working Capital Loans.
Stock, debtors, running expenses
Cash Credit (CC), Overdraft (OD), bill discounting
Stock + debtors โ creditors, less margin
periodic stock statements and annual renewal
and business registration
last 2โ3 years + provisional
and projections
and existing loan details
collateral documents (if any)
| Point | Details |
|---|---|
| Purpose | Working capital, not fixed assets |
| Drawing power | (Stock + debtors โ creditors) less margin |
| Tenure | Renewable annually |
| Collateral-free option | Up to โน10 crore via CGTMSE for eligible MSEs |
A real, qualified Chartered Accountant
Not an agent โ a CA who builds the CMA, fixes the right limit and manages the renewal.
Bankable, honest numbers
Project reports and CMA data built on realistic figures lenders trust โ not inflated projections.
The right scheme & lender
We match you to the correct scheme and lender so you don't waste time on rejections.
Clear updates in your language
Simple updates in Telugu and English โ you always know where things stand.
End-to-end support
From documentation to sanction and post-loan compliance.
Talk to a Chartered Accountant
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