Flexible Business Funds On Demand

Get instant access to working capital with a cash credit limit tailored for seasonal needs and shortfalls.

95% Approval Rate

Flexible

Credit

Access

Interest Rate 8.50% Onwards

Interest Rates

8.00%*

Onwards

No Processing Fee

No

Annual

Fees

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Cash Credit Limit Application

New home loan application

Fill out the details, and we’ll find the best loan options for you.

Unlock Funds Fast with Expert Credit Support

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Cash Credit Limit Features & Benefits

Bridge seasonal gaps and maintain business continuity with this adaptable line of credit guided by our business loan facilitators.

12-Month Repayment

Ideal for short-term needs, with flexibility to repay over one financial cycle.

Pay Only Used

Interest applies only to withdrawn amounts, helping you avoid extra charges.

Scalable Limit Growth

Higher credit access as your business financials and creditworthiness improve.

Custom Repayment Schedule

Monthly, quarterly, or half-yearly options to match your revenue pattern.

Tax Deductible Interest

Interest may be claimed as a business expense, potentially reducing your taxes.

Collateral-Based Option

Secure with collateral for better terms and higher borrowing limits.

Essential Documents

Document Type Indian Resident Non-Resident Indian (NRI)

KYC & Identity Proof

Aadhar, PAN, Passport, Voter ID, Driving License

Passport, Visa Copy, Overseas Address Proof

Business Proof

GST, Udyam, MSME Certificate, Incorporation Doc

Incorporation Certificate, Board Resolution

Financial Documents

3 years ITR, 6 months bank statement

3 years ITR, NRE/NRO Bank Statements

Address Proof

Utility Bills, Lease Agreement

Overseas Address Proof, Indian Address (if any)

Collateral Documents

Property Papers, Ownership Proof

N/A or Local Property Proof

Offers Available

₹150 Cr+

Disbursed

500+

Businesses Funded

No extra charges

0%

Renewal Charges

Lenders Compared

30+

Lending Partners

Easy Cash Credit Application Process

01

Check Your Eligibility

Share basic details to get matched with ideal cash credit offers.

02

Compare Loan Options

Review offers from multiple lenders based on your business profile.

03

Upload Required Documents

Securely submit identity, income, and collateral proof online.

04

Get Loan Approval

Lenders assess your financials and approve the credit limit.

05

Sign the Agreement

Accept the offer and complete verification.

06

Loan Disbursement

Limit is activated in your account, ready for use.

Cash Credit EMI Calculator

Get a quick estimate of your cash credit monthly installments

Loan Amount

₹5,00,000

₹5,00,00,000

Rate of Interest
%

7% p.a.

15% p.a.

Loan Duration

1 Year

30 Years

12 Months

360 Months

*For representation purpose only. Final values may vary subject to bank’s policy.

Monthly EMI

*

Total Amount Payable

*

Total Interest Payable

*

Stay Updated With Our Cash Credit Insights

Get expert business loan tips, offers, and market updates for smarter financial decisions.

Machinery Loan Insights

What Our Clients Say

Discover how our cash credit limits empowered businesses to grow and stay financially agile.

The team provided outstanding guidance to secure a cash credit limit that perfectly matched our seasonal demand cycles. Truly the best financial partners!

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Ankit Raj

As a startup, our financial needs were complex, but thanks to their expertise, we got a cash credit solution that really supports our growth. Highly recommended!

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Priya Kumar

Their personalised approach helped us navigate through our unique financial challenges. The cash credit limit we received has been a game changer for our operations.

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Rajesh Rao

They exceeded all our expectations by facilitating a cash credit limit that helps us manage cash flow effortlessly. Fantastic service and results!

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Sunita Warsi

Their team's professionalism and precise understanding of our financial needs led us to obtain an optimal cash credit limit. Excellent work!

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Harish Nirala

Understanding Cash Credit Limit

Explore expert insights and personalised business loan consultation to help you make the right financial decisions for your needs.

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Explore Cash Credit Limit With BankEMI

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Educate Yourself & Your Wallet

Stay informed with expert tips, industry trends, and guides for smarter financial decisions.

Frequently Asked Questions

Your top questions on cash credit limits, eligibility, and benefits - answered clearly and concisely.

Cash credit limits typically have a tenure of 12 months, though some lenders may offer slightly longer terms. The interest rate on a cash credit limit varies depending on the lender, your business's creditworthiness, and the loan amount. However, securing the loan with collateral can lead to a lower interest rate.

Potentially, yes. Interest payments made on a cash credit limit may be tax-deductible as a business expense. However, it's crucial to consult with a tax advisor to understand the specific tax implications for your business.

Cash credit limits are primarily offered to established businesses with a good track record. Registered business entities (sole proprietorship, partnership, or company) with strong financial performance and profitability and good credit scores are eligible for a cash credit limit. Individuals can also apply for cash credit limits by pledging their fixed deposits.

Interest is only charged on the amount you utilise (daily closing balance). So, you only pay for the funds you actually withdraw.

Cash credit limits offer several benefits for businesses, including improved cash flow management, flexible access to capital, potential tax benefits, increased borrowing power, and manageable repayments that suit your business.

Support business growth with flexible credit access today.

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