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Working Capital Loan (Overdraft & Cash Credit)

Boost your business liquidity with flexible working capital solutions. Arthapradan helps you secure the right overdraft or cash credit facility to manage day-to-day operations, payroll, inventory, and short-term obligations efficiently. Start by connecting with us on WhatsApp for a quick consultation and eligibility assessment.

Why Choose Us

Access working capital up to ₹50 Cr through our trusted lender network
Fast, flexible, and tailored overdraft or cash credit solutions
Expert guidance from application to disbursal
Transparent process with no hidden charges
Interest Rates & Charges
We Help You With
Eligibility Criteria
Documents Required

Interest rates for Working Capital (Overdraft & Cash Credit) facilities start from 8% onwards (Subject to business profile, collateral structure, turnover, and lender policy.)

The final applicable rate is determined after evaluating:

  • Business vintage and operational stability
  • Annual turnover and revenue consistency
  • Profitability and cash flow position
  • Credit history of the business and promoters
  • Collateral security (where applicable)
  • Existing banking relationship and track record

At Arthapradan, we ensure you understand the complete cost structure before proceeding.

You may be eligible if you are:

  • Drawing power calculation methodology
  • Utilization norms and interest computation
  • Annual review and renewal terms
  • Processing, documentation, and renewal charges
  • Penal interest clauses for irregularities

To qualify for a working capital loan, your business must typically meet the following criteria:

  • Registered and operational for at least 1–2 years
  • Stable revenue generation with consistent cash flow
  • Bank statements demonstrating healthy account activity
  • Satisfactory credit history for business and promoters

Ensure a smooth loan process by keeping these documents ready:

  • Business registration proof (GST, CIN, or MSME certificate)
  • Financial Statements and ITRs for the last 2 years
  • Bank statements for the past 6–12 months
  • Identity and address proof of business owners
  • Repayment track record for any existing term loans.
  • Projected cash flow statements (if applicable)
Home Loan

Loan Process

01

Connect with us on WhatsApp

Share your business details and loan requirements.

02

Eligibility assessment

Our team evaluates your business profile and financials.

03

Document submission

Upload necessary documents securely for review.

04

Loan structuring & approval

We guide you through the optimal facility (Overdraft or Cash Credit).

05

Disbursal

Get funds credited to your account quickly, ready to support your business needs.

06

Ongoing support

Assistance with monitoring usage, repayments, and renewals.

Cash Flow Gaps Slowing Your Business?

Secure flexible working capital support to keep operations smooth. Connect with us on WhatsApp today.

Apply Now

Frequently Asked Questions

Approval depends on your revenue, banking track record, credit profile, and overall financial health. Through our lender network, facilities of up to ₹50 Crore can be structured based on eligibility.

Once documentation is complete and approval is granted, disbursal typically happens within a few business days, depending on the lender and loan size.

Collateral requirements vary based on the lender, loan amount, and business profile. Both secured and structured options can be explored.

Yes. As your business grows and financial performance improves, working capital limits can be reviewed and increased accordingly.