Flexible Working Capital for Your Business
Maintain business liquidity with our cash credit facilities. Ideal for managing inventory, receivables, and operational expenses with interest charged only on utilized amount.
Understanding Cash Credit
Cash Credit is a working capital loan facility provided to businesses based on their inventory and receivables. Unlike traditional term loans, cash credit offers a revolving credit line that you can draw from and repay multiple times within the sanctioned limit.
This flexible financing solution is particularly beneficial for trading and manufacturing businesses that experience seasonal fluctuations in working capital requirements. Interest is charged only on the amount actually utilized, not on the total sanctioned limit, making it a cost-effective option.
Capital Mine Solution helps businesses secure cash credit facilities from leading banks and financial institutions. We assist with facility structuring, documentation, and ensuring you get optimal credit limits based on your business needs and asset base.
Who Can Apply?
Cash credit facilities are available to businesses with inventory or receivables
Trading Companies
Businesses involved in buying and selling goods with significant inventory and regular turnover.
Manufacturing Units
Production facilities requiring working capital for raw materials, production cycles, and finished goods storage.
Retail Businesses
Retailers and wholesalers needing credit for stock purchases and managing seasonal demand variations.
Eligibility Criteria
Business Requirements
- Business vintage: 3+ years preferred
- Profitable operations for 2+ years
- Minimum annual turnover: ₹50 lakhs
- Positive net worth and adequate collateral
- Regular tax compliance and financial reporting
Asset Requirements
- Adequate inventory stocks as primary security
- Book debts and receivables as secondary security
- Immovable property as collateral security
- Valid inventory valuation and audit reports
- Insurance coverage for stock and assets
Required Documents
Essential documents for cash credit facility processing
| Document Category | Specific Documents |
|---|---|
| Business Registration | Company registration, GST registration, PAN |
| Financial Statements | Audited balance sheet, P&L, tax returns (3 years) |
| Bank Statements | Last 12 months business bank statements |
| Inventory Reports | Stock statements, valuation reports |
| Collateral Documents | Property documents, insurance policies |
| KYC Documents | Aadhaar, PAN, address proof of promoters |
Why Choose Our Cash Credit Service?
Interest on Utilized Amount
Pay interest only on the amount you actually use, not on the total sanctioned limit, optimizing your cost of capital.
Revolving Credit Facility
Draw and repay multiple times within the limit, providing continuous access to working capital as needed.
Flexible Repayment
No fixed EMI structure - repay as per your cash flow, with interest calculated on daily outstanding balance.
Higher Credit Limits
Secure substantial limits based on your inventory and receivables, supporting business growth and expansion.
No Usage Restrictions
Use funds for any legitimate business purpose - inventory purchase, operational expenses, or business development.
Expert Facility Structuring
Our team helps structure the facility optimally, balancing your security requirements with operational flexibility.
Common Questions About Cash Credit
Explore Other Financial Solutions
Ready to Optimize Your Working Capital?
Our experts are ready to help you secure the right cash credit facility for your business. Contact us today.