Cash Credit (CC)
A working-capital facility commonly used for recurring business requirements, with utilisation linked to the sanctioned structure, business cycle and applicable lender terms.
OD / CC & WORKING CAPITALKeep business moving
Keep business moving
with the right liquidity.
Working-capital finance can support eligible recurring business requirements and operating-cycle gaps. The suitable route depends on turnover, banking conduct, financial performance, existing facilities, cash-flow cycle and lender-specific policy — not only the limit required.
WORKING-CAPITAL FACILITIESDifferent structures for
Different structures for
different cash-flow needs.
CC, OD, Flexi Loan and Dropline Overdraft can serve different liquidity patterns. Unlike a conventional term loan, the right working-capital structure should reflect how and when the business actually needs, uses and repays funds.
Overdraft (OD)
A flexible limit that can allow eligible businesses to draw and repay funds within the approved facility, with borrowing cost linked to utilisation and applicable lender terms.
Flexi Loan
A flexible borrowing structure available under selected lender programs, where eligible customers may receive drawdown or repayment flexibility different from a conventional term loan.
Dropline Overdraft
An overdraft-style facility where the available limit reduces progressively under an agreed schedule, combining liquidity access with a structured reduction of borrowing capacity.
WHAT MAY INFLUENCE ELIGIBILITYLenders assess more than
Lenders assess more than
business turnover.
Exact criteria can differ by lender, facility and business profile. These are some of the broader factors that may influence an OD, CC or working-capital assessment.
TURNOVER & SCALE01
What level of activity does the business show?
Business turnover, sales pattern and operating scale can influence the working-capital requirement and possible facility size.
BANKING CONDUCT02
What does the account behaviour indicate?
Bank credits, transaction pattern, balance behaviour, cheque or EMI conduct and existing limits can influence lender assessment.
FINANCIAL PERFORMANCE03
What do the financials support?
Revenue, profitability, leverage and other financial indicators can help lenders assess business strength and repayment capacity.
WORKING-CAPITAL CYCLE04
Where is liquidity getting tied up?
Inventory, receivables, supplier terms and the operating cycle help explain the genuine working-capital requirement.
EXISTING FACILITIES05
What funding is already in place?
Existing OD, CC, term loans and other obligations can influence additional eligibility, structure and overall lender comfort.
FACILITY & LENDER POLICY06
Which structure fits the complete case?
Facility type, security requirements, assessment method and eligibility can differ across lenders based on the complete business profile.
PROFILE BEFORE PRODUCTThe same business can receive
The same business can receive
different lender responses.
Banks and financial institutions may differ in their approach to turnover, banking conduct, financial performance, business vintage, existing facilities, security and working-capital assessment methods.
That is why choosing a lender before understanding the complete business and funding profile can be the wrong starting point.
STARTING WITH A BANKProduct → Application → Assessment
VSThe customer begins with a lender and discovers policy fit later in the process.
THE CREDITLINE APPROACHRequirement → Profile → Suitable Options
Understand the known profile first, then explore relevant lending possibilities.
A WORKING-CAPITAL DECISIONDon't evaluate
Don't evaluate
working capital
by limit alone.
A working-capital decision should consider more than the proposed limit. CC, OD, Flexi Loan and Dropline Overdraft can behave differently in utilisation, repayment, limit reduction, interest application, renewal conditions and overall flexibility.
The suitable structure should match the actual cash-flow cycle. A conventional term loan may suit one requirement, while a revolving or reducing-limit facility may be more appropriate for another — subject to eligibility and lender policy.
BE READY FOR ASSESSMENTWorking-capital
Working-capital
readiness.
Documentation varies by lender, business profile and facility. Keeping business, financial, banking and existing-facility information organised can make the assessment journey easier.
01
Business and promoter identity information
02
Business vintage, constitution and activity details
03
Recent banking and existing loan or limit information
04
Financial statements and income information, where applicable
05
GST, turnover, stock or receivable information where relevant to assessment
06
Additional documents requested under the selected facility and lender policy
CLEAR EXPECTATIONSGuidance without
Guidance without
approval promises.
Eligibility, facility type, limit, pricing, security, documentation and approval remain subject to the applicable lender's policy, assessment and approval.
Creditline's role is to help understand the requirement and complete business profile, explore relevant lending possibilities and assist with the journey.
START WITH YOUR BUSINESS REQUIREMENTTell us what you need.