Cash Credit & Overdraft limits sized to your real business cycle
A Cash Credit (CC) or Overdraft (OD) limit is a revolving facility — you withdraw as needed, repay when payments come in, and pay interest only on the utilised amount. It is the standard tool for funding raw material purchases, receivables, and the day-to-day cash gap of a manufacturing or trading business.
Fincentrix computes your correct limit using turnover and holding-level methods, prepares CMA data, and negotiates with multiple banks so your limit reflects the actual working capital cycle of your business — not an arbitrary number.
Limits can be secured (against stock, book debts, or property) or covered under CGTMSE for eligible MSMEs.
Receivables older than 90 days and stock bought on credit drop out — which is why the number often surprises borrowers.
We compute both the turnover and MPBF methods and target the higher justifiable limit.
Tell us your requirement in 2 minutes.
Free assessment within 48 hours.
We build and submit the complete bank-ready file.
We follow through to money-in-account.
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