Working capital that keeps pace with your order book
Cash credit, overdraft, invoice discounting and purchase finance — arranged so growth is not funded out of your own delayed receivables.
The real problem
Most MSMEs are not unprofitable; they are illiquid. Sales are made, GST is paid, and the money arrives 60–120 days later. Meanwhile suppliers, salaries and EMIs do not wait.
Instruments we use
Cash-credit and overdraft limits against stock and book debts, invoice and bill discounting for receivables from creditworthy buyers, purchase finance for raw-material cycles, and export packing credit where relevant.
Sizing and cost
Limits are drawn from banking turnover, drawing power statements and receivable ageing. Bank CC/OD is the cheapest route; NBFC and fintech lines cost more but move faster and take partial collateral. We put both on the table with the true all-in cost.
Documents that decide it
Twelve months of bank statements, GST returns, debtor and creditor ageing, and stock statements. Our registration captures all of it in one pass so no lender asks twice.
Start with a funding-readiness profile
Register your company once. The same consented profile is matched across lenders, investors, government schemes, partnerships and investment routes — and assessed on your CMR rank and director CIBIL records.
Questions we are asked
How much working capital limit can my business get?
As a rule of thumb, lenders sanction 15–25% of annual turnover as working capital limit, adjusted for the length of your operating cycle and the quality of your receivables.
Can I get working capital without collateral?
Yes — CGTMSE-backed working capital limits are available without collateral for eligible MSMEs, with guarantee cover of up to ₹5 crore.