Working Capital Loans (CC/OD)
Keep Your Business Running Smoothly
Flexible Funds When Your Business Needs Them Most
Cash flow gaps can slow down even the fastest-growing businesses. With Working Capital CC/OD (Cash Credit / Overdraft) solutions from MyFinanceBazaar, you get instant access to funds, pay interest only on what you use, and keep your operations running without interruptions.
We help you compare 50+ banks and NBFCs to secure the best rates and limits for your business. Maintain liquidity and scale your operations with transparency and speed.
What is a Working Capital CC/OD Loan?
A Cash Credit (CC) or Overdraft (OD) is a flexible credit facility that allows businesses to withdraw funds up to a sanctioned limit.
You pay interest only on the amount utilized, not the entire sanctioned limit.
Key Facilities:
- • Cash Credit (CC) Typically secured against inventory or receivables.
- • Overdraft (OD) Can be secured or unsecured, often linked to your bank account.
Why Choose CC/OD with MyFinanceBazaar?
50+ Lending Partners
Compare CC and OD offers from leading banks and NBFCs to secure competitive funding options for your business.
Competitive Interest Rates
Get business-friendly interest rates and flexible borrowing limits tailored to your financial profile and cash flow.
Flexible Withdrawal Structure
Withdraw and repay funds as required while paying interest only on the utilized amount.
Customized Business Solutions
Funding structures designed around your business size, operations, and working capital requirements.
Quick Approvals
Faster processing, simplified documentation, and seamless disbursal support for urgent business needs.
Dedicated Expert Assistance
End-to-end support from application to sanction with transparent guidance at every stage.
Key Benefits of Working Capital CC/OD
Pay Interest Only on Usage
Optimize your costs by paying interest only on the funds you actually use, not the full limit.
Continuous Access to Funds
Withdraw, repay, and reuse the limit as per your business needs without fresh approvals.
Improves Cash Flow Management
Handle operational expenses like salaries, rent, inventory, and vendor payments smoothly.
Quick Disbursal
Experience faster approvals compared to traditional term loans to meet urgent business demands.
Flexible Credit Limit
Limits are based on your business turnover, financials, and repayment capacity.
Who Should Opt for CC/OD?
- Traders & Wholesalers
- Manufacturers (Raw Materials)
- Service-based Businesses
- SMEs & Startups
Working Capital Types
-
Cash Credit (CC):
Secured against stock & receivables. -
Overdraft (OD):
Linked directly to your current account with unsecured options available for eligible business profiles.
Eligibility Criteria
- Business Vintage: 1–3 Years
- Stable Turnover & Profit
- Good CIBIL Score Preferred
- Proper Financial Records
Documents Needed
- KYC (PAN & Aadhaar)
- Business Proof (GST/Shop Act)
- Bank Statement (6-12 Months)
- ITR, Balance Sheet & P&L
- Existing Loan Details (if any)
How it Works?
We have simplified the process into 5 simple steps for your business convenience.
Share Your Requirement
Tell us your business needs and funding requirements to get started.
Compare Offers
We fetch the best CC/OD options from multiple lenders for your evaluation.
Choose the Right Facility
Select a plan that matches your cash flow cycle and operational needs.
Documentation & Approval
We handle the process end-to-end for quick approval from the selected bank.
Access Your Credit Limit
Get your limit activated and start withdrawing funds as and when required.
Frequently Asked
Questions
Everything You Need to Know About Working Capital Services.
1. What is the difference between CC and OD? ▼
2. How is interest calculated? ▼
3. Can I withdraw funds multiple times? ▼
4. What is the typical tenure? ▼
5. Is collateral required? ▼
Get the Working Capital Your Business Deserves
Don't let cash flow gaps hold your business back.
- 👉 Check Your Eligibility for CC/OD Now
- 👉 Compare Offers from 50+ Banks & NBFCs
- 👉 Unlock Flexible Business Funding Today
Quick & Secure Process