Draw funds as needed — pay only on what you use

An Overdraft / Cash Credit facility gives your business a flexible, revolving working capital limit to manage seasonal or fluctuating cash flow.

Revolving

Draw funds as needed

Pay on use

Interest only on utilized amount

Sanctioned limit

Flexibility up to your cap

Usually secured

Property, stock or receivables

Flexible working capital that flows with your business

A revolving working capital facility that gives businesses the flexibility to draw funds as needed, up to a sanctioned limit, and pay interest only on the amount actually utilized — ideal for managing seasonal or fluctuating cash flow.

Usually Secured. Overdraft (OD) and Cash Credit (CC) facilities are generally secured against property, stock, or receivables, though certain lenders also offer limited clean/unsecured OD options depending on the applicant’s profile.

Keep your business liquid

01

Managing day-to-day working capital requirements

02

Bridging short-term cash flow mismatches

03

Meeting seasonal demand spikes in business

04

Maintaining liquidity without disturbing long-term funding

Why apply through SGFS

Compare offers across our network of Banks and NBFCs instead of approaching lenders one by one

Get guidance on the right product structure and lender fit for your specific need

Simplified, largely paperless documentation and application process

End-to-end support — from eligibility check and application to sanction and disbursal

What you need to apply

Eligibility

(Indicative)

Documents Required