Home Loans Working Capital Loans
Operational Cashflow Credit

Bridge Cashflow Gaps with Flexible Working Capital & OD Lines

Maintain continuous liquidity for supplier payments, inventory procurement, and daily operational overheads through revolving cash credit and bill discounting.

Revolving OD/CC Facility Structure
₹25L - ₹50Cr Limits Available
Utilized Only Interest Charge Basis
Request Free Consultation View Offerings
Working Capital Loans
Revolving Credit Facilities Limits from ₹25L to ₹50Cr+
Uninterrupted Operations and Reliable Cashflow for Indian Enterprises

Revolving Cash Credit

Zero Interest on Idle Limit Balances

Why Finora Advisory

Uninterrupted Operations and Reliable Cashflow for Indian Enterprises

Waiting for 60 to 90-day client invoice clearances should never choke your manufacturing or trading operations. Finora structures customized working capital limits matching your operational cash cycle.

Revolving Cash Credit (CC)

Drawing power calculated monthly based on inventory stock and book debts.

Invoice & Bill Discounting

Unlock instant cash against verified corporate invoices and receivables.

Letter of Credit (LC) & Bank Guarantees

Non-fund based limits to support procurement and government tenders.

Daily Reducing Interest

Pay interest strictly on the exact rupees utilized, for the exact days used.

Portfolio & Offerings

Tailored Solutions Under Working Capital Loans

Explore curated categories customized to your exact borrowing and financial requirements, backed by multi-lender benchmarking and lowest interest rate guarantees.

Cash Credit (CC) Facility
Stock & Book Debts

Cash Credit (CC) Facility

Revolving credit line secured against inventory stock and receivables to smooth out production and supplier cycles.

  • Limits up to ₹50 Crores
  • Monthly stock statement based drawing power
  • Annual renewable limit with competitive interest rates
Stock-Backed Liquidity Apply Now
Overdraft (OD) Against Property
Asset-Backed Overdraft

Overdraft (OD) Against Property

Flexible revolving credit line backed by residential or commercial property with zero stock audits required.

  • No monthly stock audit inspections
  • Pay interest strictly on utilized amount
  • Deposit surplus funds anytime to eliminate interest
No Stock Audits Needed Apply Now
Invoice & Vendor Factoring
Receivables Liquidity

Invoice & Vendor Factoring

Monetize unpaid client invoices within 24 hours to secure immediate liquidity without waiting for payment terms.

  • Up to 85% invoice value funding upfront
  • Self-liquidating credit once clients pay
  • Off-balance sheet financing alternatives
Immediate Invoice Cash Apply Now
Seamless Workflow

How We Deliver Results

A structured, hassle-free progression from initial eligibility assessment to rapid sanction and disbursal.

Step 01

Cash Cycle Evaluation

Auditing your debtor turnaround, creditor days, and inventory holding cycle.

Turnover Analysis
Step 02

Drawing Power Structuring

Structuring fund-based (CC/OD) and non-fund-based (LC/BG) limits.

Drawing Power Check
Step 03

Banking Sanction

Negotiating lowest interest spreads and stock audit covenants with underwriters.

Lien & Security Vetting
Step 04

Limit Live in Current Account

Credit line activated for unrestricted business operations and payroll.

Limit Live
Documentation Verification
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 Tax Audit Reports & Schedules
  • Last 12 Months Current Bank Account Statements & GST Returns
  • Latest Age-Wise Debtors and Creditors List & Stock Statement
  • Company Incorporation Docs, Partnership Deed, or MOA/AOA
  • Property Documents (If opting for collateral-backed Overdraft facility)
Specific criteria may vary by lender partner, ticket size, and applicant profile.
Got Questions?

Frequently Asked Questions

Interest is charged strictly on a daily reducing balance basis on the actual drawn sum, not the total approved limit. If your limit is ₹1 Crore and your balance is zero, your interest is ₹0.
Drawing Power is the actual amount you are permitted to withdraw within your overall sanctioned limit, calculated each month from your eligible stock and debtors after deducting margins.
Yes! Service companies and IT consultancies can avail Overdraft lines backed by property or invoice discounting against multinational client billings.
Working capital limits are standardly sanctioned for an ongoing 12-month tenure and renewed annually based on audited financial performance.
Take the First Step

Ready to Simplify Your Finances?

Talk to our certified specialists for customized advice on loans, insurance policies, and disciplined wealth planning.

Request Free Consultation Become a Partner