Cash Credit & Overdraft Limit

At FiNNGATE DiGi Financial Solutions, we offer Cash Credit (CC) and Overdraft Limit (OD) facilities to help businesses manage their short-term working capital requirements. These facilities allow you to withdraw funds as needed, up to a pre-approved credit limit, ensuring smooth operations and improved cash flow. With loan amounts of up to ₹5 Crore, competitive interest rates, and flexible repayment options, you can efficiently manage your business expenses and meet urgent financial needs without hassle.

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Eligibility Criteria

To qualify for Cash Credit or Overdraft facilities, you must meet the following criteria:

  1. Business Type: Proprietorship, Partnership, Private Ltd., or LLP
  2. Business Vintage: Minimum 2-3 years of operations
  3. Turnover: Satisfactory turnover and revenue performance
  4. Collateral: Based on financial requirements and lender policies
  5. Credit Score: Minimum 650+

BL-CC/OD Surrogate Program

A) Eligibility:- Based on Utilisation Trend. If working capital Limit utilisation is
1) 80%- 15% of WC
2)>80% but <= 90%- 10%
3)>90%- No funding

B) Loan Tenure:- 12-36 Months.

C) Loan Amount:- Min 3 Lacs to 25 Lacs.

D) Not allowed to Negative/ Cautioun Profiles

E) CC/OD Limit:- 30 Lacs- 5 Crs ( Sanction Letter or Renewal Sanction Letter required)

F) Interest payment to be paid with in 7 days for six months and no penal Charges.

G) 70% TO to be routed in CC/ OD Account.

H) Never Overdrawn in Last 12 Months.

I) Existing Limit with Axis Bank not to be funded.

J) FD backed OD not to be considered.

K) Either Own Resi or Own office.

L) Minimum TO 100 Lacs.

M) Minimum ITR income of Rs 3 Lacs ( CP to be considered other than RI/ Sole Prop)

N) Banking required of the last 12 months.

O) Repayment to be taken from CC/OD Account with 100% E- nach (100% PDCs where it failed)


P) CC/OD should be Straight line and DOD as well as ADHOC limit not to be considered.

Q) No reduction in Limit in last 12 months and no enhancement availed in
last 12 months.

R) Where Enhancement availed in b/w 9th to 12th months, eligibility be calculated basis pre- enhancement.

Required Documents

For a hassle-free application process, the following documents are required:

  1. Photo/Selfie
  2. PAN Card
  3. Aadhar Card
  4. 3 Years Business Financials (ITR, Balance Sheet, Profit & Loss)
  5. 1 Year Bank Statement (Current Account, Savings Account, or CC/OD).

      Mail at : finngatedigifinancialsolutions@gmail.com

Why Choose Us?

At FiNNGATE DiGi Financial Solutions, we empower businesses with flexible credit solutions to support their growth:

  • High Credit Limits: Avail facilities up to ₹5 Crore to meet your short-term financial needs.
  • Flexible Usage: Withdraw and repay funds as per your requirements within the approved limit.
  • Interest on Usage Only: Pay interest only on the amount utilized, not the entire limit.
  • Quick Approvals: Fast processing and instant disbursal to ensure cash flow continuity.
  • Competitive Interest Rates: Affordable interest options to ease financial burdens.
  • Minimal Documentation: Simplified process with reduced paperwork for faster approvals.
  • Trusted Partnerships: Benefit from access to 160+ Banks, NBFCs, and Fintech lenders.

“Ensure smooth business operations with FiNNGATE DiGi Cash Credit & Overdraft Limit – Flexible, Affordable, and Efficient!”