Funds for day-to-day operations
Stock, debtors, running expenses
Premium Project Finance
Working Capital Loans
Quick Reference for Your Business
Cash Credit / OD / Limits - everything you need to know about Working Capital Loans.
01
What It Is / When Needed
Common forms
Cash Credit (CC), Overdraft (OD), bill discounting
Limit set on drawing power
Stock + debtors - creditors, less margin
Needs
Periodic stock statements and annual renewal
02
Documents Required
KYC of business and promoters
and business registration
Audited financials
last 2-3 years + provisional
CMA data
and projections
Bank statements
and existing loan details
Stock & debtors statements
collateral documents (if any)
03
Key Facts
| Point | Details |
|---|---|
| Purpose | Working capital, not fixed assets |
| Drawing power | (Stock + debtors - creditors) less margin |
| Tenure | Renewable annually |
| Collateral-free option | Up to Rs 10 crore via CGTMSE for eligible MSEs |
Note: Working capital keeps your business running between buying and getting paid. The limit depends on your CMA data and stock/debtor levels. Eligible micro & small enterprises can get it collateral-free under CGTMSE.
04
Why Clients Trust Filings Hub
A real, qualified Chartered Accountant
Not an agent - 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 - not inflated projections.
The right scheme & lender
We match you to the correct scheme and lender so you do not waste time on rejections.
Clear updates in your language
Simple updates in Telugu and English - you always know where things stand.
End-to-end support
From documentation to sanction and post-loan compliance.