HOUSOFAILoans / Working capital (CC / OD)
A working capital limit that moves with your business.
Cash credit, overdraft or a working capital loan sized to your stock and receivables. We prepare your case for lenders and compare terms, so your limit matches your trading cycle.
- Typical limit
- ₹10 L – ₹20 Cr
- Type
- CC, OD or WCDL
- Renewal
- Usually yearly
Check working capital (cc / od) options
Takes 30 seconds. Free, with no obligation.
Who it suits
- Traders and distributors
- Manufacturers with regular stock cycles
- Businesses moving their limit from another bank
What lenders usually look for
- Audited or provisional financials
- Stock and debtor statements
- Property or other security, as the lender requires
Requirements vary by lender, profile and city. Your expert confirms them on the call.
Documents to keep ready
A typical list for this loan. Share documents only through the secure link your expert sends you.
Questions about working capital (cc / od)
Can you help transfer my existing limit?
Yes. Moving a limit to a better-priced lender is a common request.
How is the limit worked out?
Lenders assess turnover, stock, receivables and banking conduct to set the drawing power.
Do I need collateral?
Most limits are secured. Some government-backed schemes reduce the collateral needed.