Smooth Working Capital OD / CC limits for SME, traders and growing businesses.
Assan Loan helps you arrange and optimise Overdraft (OD) and Cash Credit (CC) limits so that day-to-day cashflow never stops your business. We work with multiple banks & NBFCs to structure limits as per your sales, stock and receivables cycle.
*Actual limit, interest, margin and structure are always decided as per detailed assessment and respective bank / NBFC policy.
Different types of OD / CC limits we assist with.
Every business has a different cycle – stock heavy, credit heavy, seasonal or steady. We help you choose the right structure instead of one standard product.
CC against stock & book debts
Ideal for traders and manufacturers maintaining regular stock and sales on credit. Limit is usually based on drawing power from stock and receivables.
OD against property / FD / other security
For businesses wanting flexible working capital using property or strong security, without linking to stock statements every month.
Dropline structure with reducing limit
Limit reduces gradually over tenure – helpful where business has visibility of stabilising over a period and wants discipline in repayment.
Working capital against invoices
For businesses raising invoices on reputed corporates / government entities and needing funds before payment date.
Pre & post shipment limits
Packing credit, export bills discounting and other working capital limits for eligible exporters / importers, as per bank policy.
Shift & enhance existing OD/CC limits
In suitable cases, we explore takeover of existing limits to a better structure or lender, along with enhancement where justified.
What banks generally check for Working Capital OD/CC.
Every bank has its own credit norms, but these are common checkpoints for sanctioning OD/CC limits for businesses.
Broad Eligibility
- Business vintage usually 2–3 years or more (industry specific flexibility).
- Consistent turnover with clear banking trail.
- Positive repayment track record and acceptable bureau scores.
- Proper books of accounts, GST compliance and tax filing.
- Property / stock / receivables or other acceptable security.
Indicative Documents
- KYC of proprietors / partners / directors and firm / company.
- Business proof – GST, registration, incorporation documents etc.
- Last 3 years audited financials / ITR (where applicable).
- Last 6–12 months bank statements of main business accounts.
- Stock & debtors statement, ageing and major buyer-seller details.
- Property / collateral documents (if OD against property).
- Existing loan & limit sanction letters and statements.
Final checklist is shared once we understand your business model, turnover and target lender. Our team helps in compiling and reviewing documents.
OD/CC limit process with Assan Loan.
We focus on clarity from Day 1 – how much limit is realistic, what security is needed and how the structure will work for your business.
Share basic details: turnover, nature of business, existing limits (if any) and security available on WhatsApp 9145597951 or call.
We analyse statements & financials, then suggest whether CC, OD, Dropline or mix is better – and which lenders are suitable.
File is prepared and submitted to chosen bank / NBFC with required documents. Credit team assesses and may ask additional queries.
Post sanction, documents are executed and OD/CC limit is opened in your business account for regular usage.
Working Capital OD/CC – Frequently Asked Questions.
Useful for searches like “OD CC limit for business”, “working capital loan for traders”, “OD against property” etc.
What is the main difference between OD and CC?
CC is generally linked to stock and book debts with regular stock statements. OD is typically against property / fixed security and may not need monthly stock statements. Both are used for working capital, but structure is different.
How much OD/CC limit can my business get?
Limit depends on turnover, banking, profit, security value and lender norms. Share details on WhatsApp 9145597951 for a realistic estimate for your business.
Can I enhance my existing OD/CC limit?
Yes, subject to business growth, financials and security value, enhancement or takeover with higher limit may be possible.
Is collateral always required for Working Capital limits?
Many banks prefer collateral support (property/FDR) especially for higher limits. In some SME schemes, partial or no collateral may be possible, depending on policy and coverage under guarantee schemes.
How do I start the process with Assan Loan?
Simply send “Need Working Capital OD/CC” on WhatsApp 9145597951 or call the same number. We will take basic details and guide you step by step.
Key Features & Benefits of Working Capital OD / CC
Structured for MSME, SME, traders, manufacturers, exporters, importers, service providers and professionals who need continuous working capital rather than fixed-EMI term loans.
Revolving Credit Limit
Draw and repay multiple times within the sanctioned limit. Interest is charged only on the daily utilised amount.Inventory & Receivable Support
Ideal for stocking, purchase of raw material, managing credit to customers and bridging receivable gaps.Banking Based Assessment
Limits structured on turnover, banking, GST returns and financials – keeping utilisation realistic and sustainable.Trade / Export Support
Combine OD / CC with LC, BG, PC / PCFC and bill discounting for domestic and export trade cycles.Custom Structures
Options like Drop-Line OD, WCDL, adhoc limits and seasonal enhancements based on business requirement.Multi-Bank Comparison
We compare offers from multiple Banks & NBFCs to optimise limit size, security structure and pricing.Who Can Apply for Working Capital OD / CC?
- Proprietorship, Partnership, LLP, Pvt. Ltd. & Limited companies with valid registrations.
- Minimum stable business vintage usually 2–3 years* with audited / CA-certified financials.
- Turnover and banking track in line with required limit size and internal FOIR / DSCR norms.
- Clear repayment history in existing loans and credit facilities, with acceptable credit score.
- Primary security in the form of stock & book debts and/or collateral (property / other security) as per program.
- Business located in bank-approved areas with compliant KYC, GST and taxation status.
*Exact eligibility differs by lender. Assan Loan analyses your business profile and guides you to the right bank / NBFC.
Documents Required for OD / CC Proposal
- KYC of firm / company, promoters & key partners / directors.
- Business proof – GST registration, MSME / Udyam, incorporation / partnership deed, MOA / AOA etc.
- Last 12 months current account statements for main banking.
- Audited / CA-certified financial statements for last 2–3 years with schedules.
- Latest GST returns, ITR and provisional financials (if recent year not audited).
- Details of existing limits – OD / CC, term loan, LC / BG, along with sanction letters & latest statements.
- Collateral documents – property papers, valuation reports (if available) and any other security details.
A customised checklist is shared after understanding nature of business, limit requirement and target lender.
Share your last 12 months bank statements and basic financials for a free working capital assessment.
Working Capital OD / CC Limits in Vasai, Palghar, Mumbai & Thane
Assan Loan assists MSME and SME clients in Vasai, Nallasopara, Virar, Palghar, Mira Road, Bhayandar, Mumbai & Thane to structure and obtain Working Capital OD / Cash Credit limits from multiple Banks and NBFCs. Our team studies your turnover, banking pattern, GST filings, stock and receivables cycle and then prepares a professionally presented proposal for the right lender. Whether you require OD / CC, Drop-Line OD, WCDL, LC, BG or bill discounting, we help benchmark offers, negotiate pricing and coordinate till limit set-up – so that your business never suffers due to lack of working capital.Frequently Asked Questions – Working Capital OD / CC
Important points business owners usually ask before setting up Working Capital OD / Cash Credit limits.
1. What is the difference between OD, CC and Term Loan?
OD / CC is a revolving limit where you can draw, repay and redraw within the sanctioned limit. Interest is charged only on the daily utilisation. Term Loan is a fixed amount with a defined tenure and EMI schedule – interest is charged on the full outstanding, not on daily usage.
2. How is Working Capital limit assessed by banks?
Banks typically look at turnover, stock level, receivables cycle, banking transactions, GST & financials. Limits are usually structured on a percentage of stock + book debts and/or sales. For collateral-backed programs, property value and overall leverage are also considered.
3. What security is required for OD / CC?
Standard structure is hypothecation of stock and book debts. Many lenders additionally ask for collateral security – residential / commercial property, industrial unit or other assets – depending on limit size, profile and policy.
4. Are there separate limits for LC, BG and bill discounting?
Yes. Typically, OD / CC limit is sanctioned along with a non-fund based limit for Letter of Credit (LC), Bank Guarantee (BG) and bill discounting / invoice discounting. Overall exposure is fixed, within which different sub-limits are created.
5. Can an existing CC limit be enhanced or shifted to another bank?
Enhancement or takeover is possible based on current utilisation, turnover growth, financial ratios and conduct of account. We review your existing arrangement and suggest whether enhancement, restructuring or fresh limit in another bank will be better.
6. How does pricing work in Working Capital facilities?
Pricing is usually linked to Repo / MCLR or an internal benchmark plus a spread, depending on risk rating, security coverage, relationship value and competition. Our role is to help you benchmark offers and negotiate a competitive spread & fee structure.
7. What information should I share for an initial assessment?
For a quick view, we usually require: last 12 months current account statements, last 2–3 years financials, GST summary, existing limit details and collateral information. Based on this, we can indicate feasible limit size, likely security and pricing range.
Get a professional review of your existing OD / CC limits and proposals from leading Banks & NBFCs through Assan Loan.