Working Capital Specialists

    Working Capital — Keep Your Business Running, Always

    CC limits, OD, invoice discounting, bill discounting — structured by ex-bankers who know what lenders want.

    Interest only on amount used — not on full limit
    Ex-Banker & CA Team
    ₹50Cr+ WC Limits Structured
    Annual Renewals Managed
    6 Product Lines

    Working Capital Products

    Every business has a different cash flow cycle. We match you with the right product.

    Cash Credit (CC) Limit

    Best for:Stock-based businesses
    Security:Stock + debtors hypothecation
    Rate:9.5% – 13%

    ✦ Pay interest only on amount used

    Overdraft (OD) Against Property

    Best for:Any business with commercial/residential property
    Security:Mortgage
    Rate:9% – 11%

    ✦ Flexible withdrawals anytime

    Invoice Discounting

    Best for:Businesses with large corporate clients
    How:Raise invoice → get 80–90% cash immediately
    Rate:1 – 1.5% per month

    ✦ Unlock cash from unpaid invoices

    Bill Discounting

    Best for:Exporters, large buyers
    How:LC-backed, bank-guaranteed payment
    Rate:8% – 10%

    ✦ Bank-guaranteed payment security

    Bank Guarantee (BG)

    Best for:Contractors, government suppliers
    Margin:10–25% of BG amount
    Validity:Up to 3 years
    Rate:

    ✦ Win government tenders

    Letter of Credit (LC)

    Best for:Importers, raw material buyers
    Types:Sight LC, Usance LC
    Benefit:Deferred payment to supplier
    Rate:

    ✦ Import without upfront payment

    Free Assessment Tool

    Working Capital Gap Calculator

    Find out how much working capital your business actually needs.

    Most Businesses Miss This

    Drawing Power — Why Your CC Limit Keeps Shrinking

    Most businesses don't submit monthly stock statements — their CC limit keeps shrinking. Our team manages this for you.

    STEP 01

    Submit Stock Statement

    Monthly stock & debtor statement to your bank

    STEP 02

    Bank Calculates DP

    Drawing Power = % of stock + debtors value

    STEP 03

    Your Available Limit

    Higher DP = more money available to withdraw

    "Stock Statement → Drawing Power → Available Limit"

    Higher your Drawing Power = More cash available in your CC account. We ensure your DP is always optimized.

    Annual Renewal

    CC / OD Renewal — We Handle Everything

    Annual CC renewal is complex — banks ask for audited financials, CMA data, and security documents. Our team does it all.

    STEP 01

    CA Prepares CMA Data

    Our chartered accountants prepare projected financials, CMA statements, and fund flow analysis.

    STEP 02

    Banker Liaison

    Our ex-banker team coordinates directly with your bank's credit department for smooth processing.

    STEP 03

    Legal Documentation

    Security creation, hypothecation deeds, and all legal paperwork handled by our legal team.

    STEP 04

    Limit Renewal Done

    Your CC/OD limit renewed on time — no disruption to your business cash flow.

    Documentation Checklist

    Standard documents needed for working capital loans. We help you prepare all of this.

    KYC of all promoters/partners
    Business registration (GST / Udyam / Shop Act)
    Last 3 years ITR with computation
    Last 3 years audited financials
    Bank statements (12 months)
    Stock statement & debtor-creditor list
    GST returns (12 months)
    Projected financials / CMA data

    Get Working Capital Assessment

    Our ex-banker team will analyze your cash flow and recommend the right product — 100% free.

    Your information is secure. We'll call you within 2 business hours.