CC / OD / Term Loan Advisory & Application | True Capital and Advisory Pvt Ltd

CC / OD / Term Loan

Cash Credit (CC) limits, Overdraft (OD) facilities, and structured Term Loans to ensure smooth working capital cycles.

Quantum: ₹10,00,000 - ₹30 Crore

Tenure: 1 Year Renewable / 5 Years

Rates: Competitive Market Rates

Product Overview

Overcome seasonal liquidity shortages and inventory stocking cycles with credit facilities designed around your receivables, book debts, and ongoing turnover.

General Eligibility Guidelines

Established businesses with healthy debtor-creditor turnover and satisfactory collateral/stock hypothecation.

Nationality: Resident Indian or registered domestic business entity.
Minimum Age: 21 years at loan application; maximum up to retirement/65 years.
Income Stability: Steady employment vintage or minimum 1-2 years continuous business operations.
Credit Assessment: Clean repayment record and healthy bureau score.

Documentation Checklist

Stock & debtor statement, 3 years ITR & balance sheets, VAT/GST returns, banking records.

Identity & Address:

Aadhaar Card, PAN Card, Passport / Voter ID, Utility bill or rental agreement.

Income & Banking:

Latest 3-6 months bank statements, salary slips (for salaried) or 2 years ITR with computation (for self-employed).

Step-by-Step Advisory Journey

1 Requirement Analysis Understanding loan amount and repayment horizon.

2 Lender Matching Identifying best-fit partner banks and NBFCs.

3 Document Appraisal Pre-vetting paperwork to avoid bank rejections.

4 Sanction & Disbursal Bank approval and direct loan disbursement.

Frequently Asked Questions

No. We do not demand unauthorized advance cash fees for loan approvals. Legitimate processing fees or valuation charges are collected directly by the disbursing bank or financial institution.

Retail personal loans can typically be sanctioned within 2 to 4 business days once documents are complete, while secured loans (Home Loan, LAP, Project Finance) require legal and technical property verification, usually taking 7 to 15 business days.

Apply for CC / OD / Term Loan

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