Help Desk Finserve Cash Credit & Overdraft Facility


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Cash Credit & Overdraft Facility for Businesses

Cash Credit (CC) and Overdraft (OD) facilities from Help Desk Finserve are specialized working capital financing solutions designed for businesses to manage their daily operational expenses and short-term funding requirements. Contrary to the incorrect personal loan reference, these are business banking facilities that provide flexible access to funds for managing cash flow, purchasing inventory, paying suppliers, and meeting other operational needs without the constraints of traditional term loans.


As an RBI-registered IMF, we understand that businesses require flexible financing options to manage variable cash flow needs. Cash Credit and Overdraft facilities offer revolving credit limits that businesses can use as needed, paying interest only on the amount utilized. These facilities are essential tools for efficient working capital management and maintaining business liquidity.


Key Features & Benefits:
  • Revolving credit facility for ongoing business needs
  • Interest charged only on amount utilized, not sanctioned limit
  • Flexible withdrawals and deposits as per cash flow requirements
  • Quick access to funds for urgent business requirements
  • Renewable facility (usually annual renewal)
  • Minimal documentation for established businesses
  • No prepayment or foreclosure charges
  • Transparent processing with clear terms and conditions

Difference Between Cash Credit and Overdraft:
Cash Credit Facility:
  • Primarily for working capital needs
  • Against inventory or receivables
  • Higher limits for trading/manufacturing
  • Regular drawing power assessment
  • Drawing power based on stock/receivables
Overdraft Facility:
  • Against fixed deposits or securities
  • For temporary cash requirements
  • Lower interest rates
  • Fixed limit based on security value
  • Quick processing against collateral
Sr. No Eligibility Parameter Criteria
1 Business Vintage Minimum 3 years of operation
2 Annual Business Turnover Minimum ₹50 Lakhs
3 Minimum Facility Limit ₹5,00,000 (5 Lakhs)
4 Maximum Facility Limit Up to ₹5 Crores (based on turnover and collateral)
5 Facility Tenure 12 months (renewable annually)
6 Interest Rate Starting from 10.5% p.a. (on utilized amount)
7 Security/Collateral Inventory, Receivables, Fixed Deposits, Properties
8 Business Profitability Profitable for last 2 years (preferred)

Common Uses of CC/OD Facility:
  • Purchase of raw materials and inventory
  • Payment to suppliers and vendors
  • Salary and wage payments to employees
  • Utility bills and operational expenses
  • Tax payments and statutory compliance
  • Bridge financing for delayed receivables
  • Seasonal business requirements
  • Emergency repairs and maintenance
  • Marketing and promotional expenses
  • Working capital for new projects

Facility Assessment Parameters:
  • Current turnover and growth trajectory
  • Inventory holding period and stock turnover ratio
  • Debtor collection period and receivable quality
  • Operating cycle and cash conversion efficiency
  • Historical bank statement analysis
  • Creditworthiness and repayment history
  • Quality and value of collateral offered
  • Business industry and market position

Required Documents for Cash Credit/Overdraft Facility


  1. Business Documents- Company Registration, GST Certificate, PAN, MSME Certificate
  2. Financial Statements- Last 3 Years Audited Balance Sheet, P&L Account, ITR with Computation
  3. Bank Statements- Last 1-2 Years Business Account Statements
  4. KYC Documents- PAN, Aadhaar, Address Proof of Directors/Partners/Promoters
  5. Collateral Documents- Property Papers, FD Certificates, Inventory Details, Receivable Statements
  6. Business Plan/Projections for facility utilization
  7. Existing Loan Details and Repayment Track Record
  8. Trade References and Supplier/Customer Details


Facility Renewal & Review Process:
  • Annual review of business performance
  • Stock and receivable verification for CC facility
  • Drawing power calculation based on current collateral
  • Financial statement analysis for renewal
  • Limit enhancement based on business growth
  • Interest rate review based on credit performance
  • Security revaluation for OD facilities

Why Choose Help Desk Finserve for CC/OD Facility?

Under the expert guidance of Mr. Pravesh Sharma (Managing Director) with over 12 years of banking and financial experience, Help Desk Finserve provides specialized Cash Credit and Overdraft facility solutions that understand business cash flow cycles and working capital requirements. We analyze your business's operational patterns, recommend the right type of facility, and help structure the financing to match your cash flow needs. Our team ensures proper documentation, transparent processing, and helps you secure the best terms to maintain optimal working capital levels. We work with multiple banks to provide competitive rates and flexible limits, ensuring your business has the financial flexibility to seize opportunities and manage challenges efficiently while maintaining complete transparency throughout the process.