"Cash credit (CC), overdraft (OD), and letter of credit (LC) facilities to manage day-to-day operational expenses and seasonal business cycles."
Uninterrupted enterprise growth requires continuous working liquidity. From stocking inventory during peak sales cycles to offering flexible credit terms to major corporate buyers, working capital is the lifeblood of your operation. Backed by 16 years of banking domain mastery, Sujan Singh Thakur structures fund-based and non-fund-based credit lines from ₹25 Lakhs to ₹25+ Crores across premier nationalized and private banks with optimal Drawing Power (DP) formulas.
Receive expert MPBF assessment and multi-bank CMA analysis directly evaluated by ex-bankers.
Unlike fixed-term loans where you pay interest on the full sanctioned amount, Cash Credit and Overdraft limits charge interest only on the daily utilized funds. See your monthly savings below!
Based on 60% Average Utilization (₹ 60 Lakhs Drawn)
Pre-audited financial analysis guarantees maximum Drawing Power.
Different operational cycles demand distinct credit lines. We evaluate your raw material procurement cycles, debtor turnover, and production stages to assemble the perfect banking facility.
Revolving Credit against Stock & Receivables
The gold standard for manufacturers and traders. Drawing power is computed monthly against your hypothecated raw materials, work-in-progress, finished goods, and book debts up to 90/120 days.
Pre-Approved Limits against Property or Surrogates
Enjoy an unencumbered operating overdraft attached to your current account backed by commercial/residential property or banking turnover surrogates. Zero monthly stock statements required.
Non-Fund Based Guarantees for Tenders & Vendors
Procure raw materials from domestic and international suppliers on 30–180 days credit with Foreign/Inland LCs. Secure Bank Guarantees (Performance & Financial BGs) for bidding on major public tenders.
Turn Unpaid Customer Invoices into Immediate Cash
Eliminate the pain of 60 to 90 days client credit cycles. Banks discount verified corporate invoices upon supply delivery, crediting 80% to 90% of the invoice value into your bank account within 24 hours.
Concessional Pre & Post-Shipment Export Liquidity
Tailored financing in INR or foreign currency (USD/EUR) to purchase raw materials and manufacture goods against confirmed foreign export orders, complete with interest equalization scheme subsidies.
Anchor-Led Vendor Lines & Dealer Credit Programs
Optimize procurement for automotive, FMCG, and industrial equipment manufacturers. Enables prompt payments to tier-1 suppliers while providing extended credit horizons for retail dealership networks.
Many business owners mistakenly take fixed-EMI business loans for daily operations. This locks them into rigid monthly principal repayments, even when cash is temporarily tied up in client receivables. A tailored Cash Credit or Overdraft limit eliminates this risk.
If your sanctioned limit is ₹1 Crore but you only withdraw ₹20 Lakhs this week, you pay interest only on ₹20 Lakhs. When clients pay you, interest drops immediately.
Unlike term loans that shrink each month with EMIs, your CC/OD limit stays continuously active and renews year after year, expanding as your turnover grows.
Suppliers often offer 2% to 4% cash discounts for immediate payment within 7 days. Utilizing your CC facility lets you pocket these discounts, easily covering the borrowing cost!
Rigid 3-Year Repayment • Monthly Cash Outflow: ₹ 1,69,670
Total Interest Extorted: ₹ 11,08,120 • Must pay fixed EMI even if funds are sitting idle in bank
Revolving Facility (Avg 55% Utilization) • Monthly Interest: ₹ 20,625
Saves over ₹ 1,49,000 every month in forced principal drain, keeping cash freely circulating in operations!
Sujan Singh Thakur coordinates directly with commercial relationship managers and credit committee heads to negotiate relaxed debtor norms, higher drawing power, and minimal collateral requirements.
| Partner Bank | Flagship WC Facility | Stock & Debtor Margin | Debtor Aging Limit | Advisory Advantage |
|---|---|---|---|---|
| SBI State Bank of India | SME Asset Backed Loan & Cash Credit | 20% - 25% Margin | Up to 90 - 120 Days | Lowest repo-linked interest rates; high drawing power multipliers; nominal annual renewal fee |
| PNB Punjab National Bank | PNB MSME Sahyog & Trade Cash Credit | 20% - 30% Margin | Up to 90 Days | Special rate discounts for GST compliant firms; fast LC/BG issuances for public tenders |
| BOB Bank of Baroda | Baroda Traders Loan & Cash Credit Facility | 25% Margin | Up to 90 - 120 Days | Baroda Advantage linked accounts; combined CC + non-fund trade limits under unified security |
| HDFC HDFC Bank | Smart Working Capital & Business Overdraft | 15% - 25% Margin | Up to 120 Days | Rapid digital approvals; high surrogate turnover multipliers; express letter of credit handling |
| ICICI ICICI Bank | InstaOD & Trade Working Capital Suite | 20% Margin | Up to 90 - 120 Days | Instant digital drawing power activation; seamless multi-currency export packing credit lines |
| AXIS Axis Bank | Axis Power Working Capital & Bill Discounting | 20% - 25% Margin | Up to 120 Days | Customized limits for contractors; flexible margin money thresholds for performance guarantees |
Working capital proposals require thorough financial modeling and Maximum Permissible Bank Finance (MPBF) calculations. We manage the institutional pipeline end-to-end.
We calculate your inventory holding period, debtor collection days, and formulate compliant Credit Monitoring Arrangement (CMA) projections.
We determine the ideal ratio between fund-based limits (CC/OD) and non-fund based limits (LC/BG) to minimize unnecessary interest expenses.
Direct submission to senior commercial underwriting committees, ensuring swift stock inspections and zero branch-level queries.
Formal sanction letter detailing credit lines, hypothecation of current assets, and filing of charge with ROC / CERSAI.
Validation of the inaugural monthly stock statement and activation of live drawing power in your current account ready to deploy!
Zero guesswork. Pre-audit your balance sheets, banking credits, and debtor aging records with ex-bankers to secure first-shot credit sanction.
Proprietorships, Partnerships, LLPs & Corporate Entities
Minimum 2 to 3 years of commercial operations in manufacturing, trading, distribution, or technical services.
Gross annual turnover of ₹50 Lakhs or higher verified through official GSTR-3B filings and current account banking.
Current Ratio > 1.25:1, positive net working capital (NWC), and manageable Total Outside Liabilities to Tangible Net Worth (TOL/TNW).
Clean Commercial Bureau (CMR-1 to CMR-5) record with promoter personal CIBIL of 700+ and nil recent SMA status.
Collected hassle-free at your premises or digital upload
GST Registration Certificate, PAN of firm/company, Udyam MSME Certificate, Partnership Deed / MOA & AOA.
Last 3 years Audited Balance Sheet, Profit & Loss with complete schedules, 3CA/3CD Tax Audit Reports.
Latest 12 months statements of all current and CC/OD accounts, plus 12 months filed GST Returns (GSTR-3B & GSTR-1).
Latest paid inventory stock statement, debtor and creditor aging list, copy of sanction letters of existing loans.
Consult Sujan Singh Thakur for 100% unbiased multi-bank working capital comparison & maximized Drawing Power.
