Cash Credit / Overdraft (CC/OD)
Explore working-capital facilities for managing eligible short-term business funding needs.
Explore Loan Working capital finance
Working Capital Loans to Keep Your Business Moving
Bridge the gap between paying suppliers and receiving payment from customers. Explore working capital options — from short-term loans to revolving facilities — and get guidance on how lenders typically assess your needs.
Use cases
Suitable business use cases
Stock up on inventory
Build stock ahead of peak season or bulk-purchase opportunities.
Pay suppliers on time
Maintain supplier relationships and terms while customer payments are due.
Cover the receivables gap
Manage cash flow when customers pay on 30, 60 or 90-day credit.
Handle operating expenses
Meet wages, rent and utilities through uneven months.
Key eligibility factors
Lenders weigh these and other factors according to their own credit policies.
- Turnover and its consistency, often reflected in GST returns and bank statements
- Your operating cycle — how long stock and receivables take to convert to cash
- Levels of inventory, debtors and creditors
- Banking conduct, including cheque returns and account utilisation
- Credit history of the business and promoters
- Security available and lender policy
Commonly requested documents
Indicative only — the exact list depends on the lender, your constitution and the proposal.
Business & promoter KYC
- PAN of the business entity and of promoters / partners / directors
- Address and identity proof of promoters, as required by the lender
- Udyam Registration certificate (where registered)
- GST registration certificate (where applicable)
- Constitution documents — partnership deed, LLP agreement or MoA/AoA
Financial records
- Income tax returns, typically for the last 2–3 years
- Audited or provisional financial statements (balance sheet, P&L)
- Business bank statements, often for the last 6–12 months
- GST returns for recent periods (where applicable)
Working capital details
- Recent stock and debtors statements
- List of major customers and suppliers, if requested
- Projected sales and working capital requirement for the coming year
Existing borrowings
- Sanction letters and repayment schedules for current loans
- Loan account statements showing repayment track record
The process
How the financing process works
- 1
Share your requirement
Tell us about your operating cycle and where the cash-flow pressure sits.
- 2
Review your options
Understand term-based and revolving working capital routes.
- 3
Prepare the application
We help organise statements, returns and projections.
- 4
Lender assessment
The lender assesses your requirement using its own method and policy.
- 5
Lender decision & disbursal
Limits, pricing and renewal terms are set by the lender.
Eligibility, approval, pricing, collateral requirements and disbursal depend on the lender and its applicable policies. LoanDhara does not lend and does not guarantee approval.
Working Capital Loan: frequently asked questions
Lenders typically look at your turnover, operating cycle and current assets and liabilities, and apply their own assessment method. The figure they arrive at may differ from the amount you request.
Not quite. A working capital loan can be a fixed-amount short-term loan repaid in instalments, while CC/OD are revolving limits you draw from and repay as needed. Lenders offer different structures depending on your business.
Revolving working capital limits are usually reviewed periodically — often annually — when the lender re-assesses your financials and account conduct.
More questions? See all FAQs or talk to an expert.
Ready to explore your options?
Share your requirement and we’ll help you understand the next financing step.
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