OD/CC Support - Finora Financial Solutions

Empower Your Business Liquidity with Dynamic Working Capital

₹25L to ₹50Cr+ Limits

Pay Interest On Utilized Amount Only

Why Finora Advisory

Empower Your Business Liquidity with Dynamic Working Capital

Working capital is the lifeblood of business expansion. We structure revolving credit lines against stock, receivables, and commercial collateral to ensure your enterprise never faces liquidity crunches.

Revolving Credit Facility

Withdraw, repay, and re-borrow multiple times within your approved annual limit.

Interest on Daily Utilization

Interest is calculated purely on daily closing debit balance, not sanctioned limits.

Drawing Power Optimization

We assist with stock statements and debtor aging audits to maximize drawing power.

Annual Limit Enhancements

Smooth annual credit reviews and limit expansions as your business revenues grow.

Portfolio & Offerings

Tailored Solutions Under OD/CC Support

Explore individual categories customized to your exact requirements, whether optimizing capital costs or maximizing investment compounding.

Manufacturing & Traders

Cash Credit (CC) Against Stock & Book Debts

Designed for manufacturers, distributors, and traders to finance raw materials, finished inventory, and receivables.

Drawing power against 90-day debtors
Limits from ₹25 Lakhs to ₹50 Crores
Low working capital interest margins

Core Trade Credit Apply Now

Property & Liquid Backed

Overdraft (OD) Against Property / Fixed Deposits

Establish a high-value overdraft limit pledged against residential/commercial property or corporate fixed deposits.

Up to 70% property valuation limit
1% to 1.5% over FD interest rate
Zero stock statement compliance requirements

Zero Stock Audit Hassle Apply Now

Supply Chain Capital

Vendor & Invoice Discounting

Accelerate cash realization from blue-chip client invoices and offer early payments to critical suppliers with invoice financing.

Disbursal within 48 hours of invoice
Collateral-free structures available
Strengthens vendor relationships

Rapid Cash Realization Apply Now

Seamless Workflow

How We Deliver Results

A structured, hassle-free progression from initial inquiry to final sanction and ongoing advisory.

Step 01

Financial & Banking Audit

We examine your turnover, balance sheet ratios, and monthly bank credits.

Eligibility Audit

Step 02

Facility Structuring

Determining the optimal split between Fund-Based (OD/CC) and Non-Fund Based limits.

Market Comparison

Step 03

Bank Negotiation

Securing the lowest benchmark spread, low processing charges, and minimal margins.

File Processing

Step 04

Limit Disbursal & Renewal

Sanction letter issued, legal charge created, and annual renewal desk active.

Sanction & Disbursal

100% Confidential Rapid Verification

Need Profile Guidance?

Our desk evaluates your papers confidentially.

Audit Profile

Standard Checklist

Required Documentation

Digital Upload Available

Last 3 Years Audited Financial Statements with Balance Sheets & Tax Audit Reports
Last 12 Months Bank Statements of all ongoing operative and current accounts
GST Returns (GSTR-1 and GSTR-3B) for the past 12 months
Company Constitution Docs: MOA/AOA, Partnership Deed, or Registration Certificate
Latest Stock Statement and Debtor Aging Analysis
Collateral Property Documents and Title Deeds (For secured OD/CC lines)

Specific criteria may vary by lender partner, ticket size, and applicant profile.

Got Questions?

Frequently Asked Questions

Cash Credit (CC) is specifically secured against working assets like raw materials, inventory, and book debts, requiring periodic stock statement submissions. Overdraft (OD) is typically secured against immovable property, financial securities, or fixed deposits with fewer ongoing stock audit requirements.

Drawing Power is calculated as: [Total Eligible Stock + Eligible Book Debts (under 90 days)] minus [Creditors + Bank Margin (usually 25%)]. You can withdraw funds up to your calculated DP or sanctioned limit, whichever is lower.

Working capital limits are standardly sanctioned for a period of 12 months and renewed annually based on satisfactory account turnover, audited financials, and compliance.

Yes! Our dedicated corporate desk handles annual renewal documentation, CMA preparation, and limit enhancement proposals across partner banks seamlessly.

Optimize Business Cashflows with Flexible Overdraft & Cash Credit