Optimize Cash Flow.
Empower Business Growth.
Access customized cash credit, overdraft limits, and short-term working capital facilities from 30+ leading banks and financial institutions.
Up to ₹10 Cr
Credit Line Sanction
24–48 Hrs
Fast Approval
0%
Prepayment Penalty*
Flexible
OD / Cash Credit Terms
How Working Capital Finance Works
Secure flexible credit lines to manage payroll, inventory, and operational expenses without bottlenecks.
Digital Financial Assessment
Upload your 12-month bank statements, GST3B filings, and latest audited financials to evaluate your business operating cycle.
Multi-Lender Matching
Our AI underwriting engine analyzes your cash flow metrics and matches your profile across 30+ top institutional banks & NBFCs.
Sanction Letter & Term Selection
Compare sanctioned Overdraft (OD), Cash Credit (CC), or Trade Credit offers with transparent interest rates and flexible terms.
Line Activation & Drawdown
Complete quick digital documentation to activate your revolving credit line. Withdraw funds as needed and pay interest only on utilized capital.
Working Capital Eligibility & Requirements
Review the baseline criteria and documentation needed to secure cash credit, overdrafts, and short-term credit lines.
Eligibility Criteria
Core benchmarks for working capital approval
Business Type
Private Limited, Public Limited, Sole Proprietorships, Partnerships, and LLPs.
Operational Vintage
Minimum 1+ years of active continuous business operations.
Annual Turnover
Annual gross turnover starting from ₹40 Lakhs to ₹100 Cr+ for corporate lines.
Credit & Cash Flow
Positive operating cash flows and a healthy CIBIL / CMR business credit score.
Banking History
Active primary current account with consistent banking transactions over 12 months.
Document Checklist
Standard paperwork for instant digital assessment
- •Latest 12 Months Current Bank Account Statements
- •2 Years Audited Financials (P&L, Balance Sheet, Computation of Income)
- •Income Tax Returns (ITR) for the last 2 Fiscal Years
- •GST Registration Certificate & Latest 12 Months GST3B Returns
- •Business Entity Proof (Certificate of Incorporation, Partnership Deed, MOA/AOA)
- •Promoter & Director KYC Documents (PAN, Proof of Address)
- •Existing Sanction Letters for active loans or credit limits (if applicable)
Frequently Asked Questions
Find clarity on working capital limits, interest structures, collateral requirements, and sanction timelines.