Working Capital

A Working Capital Loan is designed to support your business in meeting everyday expenses. It ensures smooth cash flow for salaries, inventory, raw materials, and supplier payments, helping your business run without interruptions.

Types of Working Capital Loans

Cash Credit (CC)

Overdraft (OD) Facility

Trade Credit 

Invoice / Bill Discounting

    • Overdraft facility from the bank, secured against stock or receivables
    • Helps businesses meet daily operational needs.
    • Allows withdrawal of more money than available balance, up to a limit.
    • Useful for urgent short-term funding gaps.
    • Credit extended by suppliers to buy goods/services now and pay later.
    • Common for businesses with regular supplier relationships.
    • Credit extended by suppliers to buy goods/services now and pay later.
    • Common for businesses with regular supplier relationships.

Letter of Credit (LC)

  Bank Guarantee

Packing Credit 

    • Mainly for businesses engaged in imports/exports.
    • Ensures payment to suppliers once trade conditions are met.
    • A promise from the bank assuring payment to third parties if the business fails.
    • Common in contracts & tenders.
    • Repaid in instalments.
    • Special facility for exporters to purchase raw materials and cover production costs before shipment.
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