Keep your business cycle running smoothly
Working capital loans (CC / OD) in Pune
Cash credit and overdraft limits to keep inventory, receivables and daily operations funded.
About this facility
Working capital finance funds the gap between paying suppliers and collecting from customers. A Cash Credit (CC) limit is usually drawn against stock and receivables, while an Overdraft (OD) may be secured against property, deposits or other assets. Interest is generally charged only on the amount utilised.
We help you estimate a realistic working capital requirement, organise stock and debtor statements, and present your operating cycle clearly to the lender.
Who it suits
- Traders and distributors holding inventory
- Manufacturers with raw material and finished-goods cycles
- Service businesses with long receivable periods
- Businesses with seasonal demand peaks
General eligibility considerations
- Operating history and turnover supported by GST returns and bank statements
- Healthy current ratio and stock / debtor position
- Credit history of the business and promoters
- Primary and collateral security as required by the lender
Indicative only. The lender's policy and the official rules prevail.
Indicative documents
- KYC: PAN and Aadhaar of applicant(s), photographs, address proof
- Business proof: Udyam registration, GST registration, shop/trade licence or incorporation documents
- Income tax returns with computation for the last 2 to 3 years
- Audited / CA-certified balance sheet and profit & loss statement
- Bank statements of all operative accounts for the last 6 to 12 months
- Stock and debtors statements (ageing-wise)
- GST returns for the last 12 months
- Projected balance sheet / CMA data for the limit requested
How we help
- 1
Understand your requirement, business profile and repayment capacity in a free initial discussion.
- 2
Share an indicative document checklist and help you organise financial records.
- 3
Explain suitable facility types and lender options so you can decide with clarity.
- 4
Assist with application preparation and coordination with the lender you choose.
- 5
Keep you informed until the lender communicates its decision.
Frequently asked questions
What is the difference between CC and OD?
Both are running limits. CC is typically secured by stock and receivables and linked to a drawing power; OD is often secured by property, fixed deposits or other assets. Specific terms vary by lender.
Is interest charged on the full limit?
Usually interest is charged on the amount utilised, though lenders may levy commitment or renewal charges. Check the sanction letter for exact terms.
Serving Pune, Pimpri Chinchwad & nearby
From our Rahatani office we help businesses and families across PCMC, the Hinjewadi IT corridor and the Chakan, Bhosari and Talegaon industrial belts.
- Working Capital (CC / OD) in Pimpri Chinchwad
- Working Capital (CC / OD) in Wakad
- Working Capital (CC / OD) in Pimple Saudagar
- Working Capital (CC / OD) in Hinjewadi
- Working Capital (CC / OD) in Baner & Aundh
- Working Capital (CC / OD) in Chakan
- Working Capital (CC / OD) in Bhosari
- Working Capital (CC / OD) in Talegaon
- Working Capital (CC / OD) in Ravet & Nigdi
Abhigamyah Fins is a loan consultancy. We are not a bank or lender. All lending decisions, interest rates and terms are decided solely by the relevant lender. Loan approval is not guaranteed.
Discuss your requirement with us
Share a few details and our team will call you back to understand your requirement. No obligation.