Cash Credit


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Cash Credit

Understanding Cash Credit Loan

A cash credit loan is a type of working capital loan that allows money to be withdrawn in exchange for the hypothecation of stocks and receivables. Cash credit is a quick way for firms to get out of a cash shortage while they're still in operation. This working capital loan is available as a secured or unsecured loan. The business can only borrow up to the lender's sanctioned limit.

Features of a Cash Credit Loan

  • A cash credit loan is a short-term loan which renews every year.
  • The lender's interest rate is based on the amount withdrawn rather than the entire amount sanctioned.
  • From the sanctioned limit, money can be withdrawn as many times as needed.
  • Businesses with good credit scores and a track record of payments can get higher credit limits.
  • The credit limit is determined by the turnover and volume of the company.
  • The lender has the ability of withdrawing the sanctioned funds at any time.


Documents Required

  • Passport-sized photos.
  • PAN card for the business.
  • Documents proving your identification: Passport, driver's licence, voter's ID card, PAN card, Aadhar card.
  • Adress proof: utility bills (water/electricity bills) of the applicant.
  • Proof of Earnings (the bank statement for the previous six months).
  • Proof of business address
  • Certificate of incorporation
  • Deed of the company as proof of ownership
  • Any other document required by the lender.


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