Flexible working capital to keep your business moving.
Secure overdraft and cash credit lines to manage inventory, receivables, and routine expenses.
Discover other loansRevolving credit made simple.
OD and CC facilities give businesses flexible access to cash when they need it, with interest only on the amount used.
Use funds as needed
Draw cash up to your approved limit and repay only what you use.
Better cash flow control
Align credit with sales cycles and keep operations running smoothly during demand peaks.
Transparent limits
We help you understand usage charges, renewal terms, and bank rules clearly.
Quick re-access
Once approved, the facility is available whenever your business needs it.
Why OD/CC is ideal for businesses.
A revolving facility provides working capital discipline without tying up funds unnecessarily.
Interest only on use
Pay interest only on the amount you withdraw, not the full sanctioned limit.
Renewable facility
Many lenders offer annual renewals after financial review.
Flexible tenure
Often structured around business cycles and seasonality.
Improved liquidity
Maintain liquidity for payroll, inventory, or unplanned expenses.
Questions on OD/CC facilities.
Overdraft is a limit attached to a current account, while cash credit is a separate business credit facility.
Interest is charged on the amount drawn, usually calculated daily or monthly.
Yes, limits can be enhanced after a lender review of your sales and financial records.
Typically yes; lenders often require inventory, receivables, or property security depending on the limit.