Right Loan. Right Terms. Real Support.


Cash Credit and Overdraft Facilities for Smooth Business Operations

Managing daily cash flow is critical for the smooth functioning of any business. At Loanzkart, we provide Working Capital Limit solutions that help businesses maintain liquidity, manage operational expenses, and handle short-term financial requirements efficiently. Our working capital facilities are designed to support uninterrupted business operations without putting long-term financial pressure on the organization.

Whether your business faces seasonal cash flow gaps, delayed receivables, or fluctuating operating expenses, working capital limits such as cash credit and overdraft facilities ensure you always have access to funds when needed. With Loanzkart’s structured advisory and multi-lender access, businesses can secure flexible funding aligned with their operational cycle.

Benefits

Key Benefits of Working Capital Limits from Loanzkart

  • On-Demand Access to Funds – Withdraw funds as required within the approved limit, paying interest only on the utilized amount.
  • Improved Cash Flow Management – Helps businesses manage receivables, payables, and operational expenses smoothly.
  • Flexible Repayment Structure – Funds can be repaid and reused multiple times within the sanctioned limit period.
  • Reduced Financial Stress – Ensures uninterrupted operations even during cash flow mismatches or slow payment cycles.
  • Better Business Stability – Maintains liquidity without impacting long-term capital structure.

Why Choose Loanzkart for Working Capital Limits?

Structured Funding Advisory

We analyze your business cycle and cash flow to recommend the right working capital structure.

Multiple Lender Options

Access cash credit and overdraft facilities from banks and NBFCs through a single platform.

Accurate Limit Assessment

We help determine realistic limits based on turnover, banking history, and operational needs.

End-to-End Process Support

From application to limit setup, we manage lender coordination efficiently.

Transparent Terms

Interest rates, renewal charges, and utilization conditions are clearly explained upfront.

Who Are Working Capital Limits Ideal For?

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Growing Businesses

Enterprises experiencing increased order volumes or expanding operations that require consistent liquidity.

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Manufacturers and Traders

Businesses needing funds for raw material procurement, inventory management, and supplier payments

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Service-Based Enterprises

Companies managing recurring operational expenses, salaries, and overheads.

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MSMEs and Established Businesses

Businesses seeking structured short-term financing without long-term borrowing commitments.

Common Uses of Working Capital Limits

Inventory Management

Purchasing raw materials and maintaining adequate stock levels.

Operational Expenses

Covering salaries, utilities, rent, and day-to-day expenses.

Managing Receivable Delays

Bridging gaps caused by delayed customer payments.

Seasonal Business Needs

Handling increased demand during peak seasons without cash shortages.

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How we works

How the Process Works

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01
Collect Documentation

We gather business financials, banking statements, and operational details.

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02
Verification

The lender evaluates cash flow, turnover, and credit history.

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03
Limit Approval

A sanction letter is issued specifying the approved limit and terms.

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04
Facility Activation

The working capital limit is activated for immediate business use.


Our Trusted Lending Partners

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Frequently Asked Questions (FAQs)

It is a short-term funding facility that allows businesses to withdraw funds as needed up to an approved limit.

Cash credit is linked to business operations and inventory, while overdraft is usually linked to a current account.

Limits are based on business turnover, cash flow, banking history, and financial statements.

Depending on the limit amount and lender policy, facilities may be secured or unsecured.

Working capital limits are generally reviewed annually based on business performance.