Managing working capital and capital expenditure is critical for businesses in construction, manufacturing, and industrial sectors. Our Cash Credit (CC) / Overdraft (OD) facilities and Term Loans provide flexible financial solutions to meet your business needs efficiently.
Services Offered
Cash Credit (CC) Facility: Short-term working capital support to meet day-to-day operational requirements.
Overdraft (OD) Facility: Flexible borrowing limit linked to your current account for smooth cash flow management.
Term Loans for Machinery / Construction: Long-term financing for machinery purchase, construction projects, or industrial property acquisition.
Customized Loan Structuring: Tailored repayment schedules based on project cash flows and business requirements.
Fast Processing & Disbursal: Streamlined loan application and approval process for timely fund availability.
Why Choose Us?
Expertise in financing MSMEs, construction, and industrial projects.
Flexible repayment options to match project timelines.
Competitive interest rates with transparent terms.
Dedicated relationship managers to assist throughout the loan lifecycle.
A Cash Credit (CC) facility is primarily used for financing working capital needs, secured against stock or receivables. An Overdraft (OD) facility, on the other hand, allows you to withdraw more than your account balance up to a certain limit, giving you flexibility to manage short-term cash flow gaps.
Businesses engaged in manufacturing, trading, or construction that have regular working capital requirements are eligible. Applicants should have a valid business establishment, financial records, and collateral if required.
Term Loans can be availed for purchasing machinery, equipment, industrial property, or financing construction projects — essentially for capital expenditure that supports business growth.
The loan amount depends on factors like business turnover, financial health, collateral value, and repayment capacity. Our experts evaluate your business profile to offer a customized limit.
We provide customized repayment schedules aligned with your business’s cash flow and project timelines, ensuring minimal stress on operations.