Working Capital Loan

India’s Most Trusted & Intelligent
Working Capital Loan Solutions by eFinancial City

OD Limit & Cash Credit Limit Made Simple – With 360° Support You Won’t Find Anywhere Else

What is OD Limit (Overdraft Limit)? – Explained Simply

OD Limit is like having an extra balance in your current account that you can use when needed — especially during slow months or cash crunches.
For example, if you have ₹5,000 in your account and an approved OD limit of ₹1,00,000, you can spend up to ₹1,05,000. You only pay interest on the extra ₹1,00,000 and only for the days you use it.

• Perfect for unexpected expenses, buying raw materials or paying salaries during tough periods.
• Quick access. No need to apply for a new loan each time.
• Repay anytime without penalty.

What is Cash Credit (CC Limit)? – Simplified for Every Business Owner

CC Limit is a revolving credit line given to your business based on the value of your inventory or receivables (money your customers owe you).
You can borrow, repay and borrow again — just like using a credit card — but at lower interest and for business needs only.

• Ideal for businesses with regular cash inflow-outflow cycles.
• More suitable for larger and ongoing working capital needs.
• Limits are usually higher than OD and secured with stock/invoices.

Why Our Working Capital Products Are Unbeatable in the Indian Market

100% Customised to Your Business Model

• Real-Time Limit Adjustments – Based on your GST returns, invoices or sales volume.
• Smart OD/CC Blends – For seasonal businesses, we provide hybrid limits that expand and contract based on your need.
• Secured + Unsecured Options – From ₹50,000 to ₹5 Crores. Even startups and small traders are eligible.

Simple, Smart & Paperless

• Digital Application – No branch visits, no paperwork hassle.
• E-KYC & Bank Statement-Based Sanctions – We connect directly with your bank for instant assessment.
• Approval in 72 Hours – In most cases, funds available within 3 days.
• We are the best working capital finance consultants in Delhi NCR.

Designed for Real Indian Problems one faces while Running a Business

Standout Benefits of eFinancial City as Your Trusted Financial Advisor

• CC/OD limits linked to your actual business cycle — not just credit score
• AI-based usage recommendations – helping you avoid penalties or underutilisation
• Pay interest only for the days and amount used – down to the hour
• Revolving limits with auto-renewals – no yearly re-application headaches
• No foreclosure or early repayment charges
• Live dashboard for monitoring cash position, usage and interest

Tailored for Every Type of Indian Business

• Retailers & Wholesalers – Stock-based limits with daily transaction monitoring
• Contractors & Service Providers – Invoice-based OD for payment milestone gaps
• Traders & Manufacturers – Hybrid OD+CC limits with rolling stock funding
• Agri Traders & Kirana Chains – Limits based on purchase/sale patterns, even with limited documents
• And more…

Partner with Us…

If your business is growing, struggling or seasonal — our OD & CC solutions are not just financial products. eFinancial City is your anytime-working capital loan advisory, crisis managers and growth enablers . Your business loan for working capital will be backed by India’s most advanced tech and most empathetic teams.