Working Capital
up to ₹20 Crore.
Pay interest only on utilized funds. Flexible revolving credit lines.
Prevent cash-flow bottlenecks and accelerate operational velocity. Compare customized Overdraft, Cash Credit, and Bill Discounting limits across 50+ lenders.
Check Working Capital Eligibility
Personalised offers in two minutes. No credit score impact.
₹0+ Cr
Facilities Sanctioned
0+
Enterprises Funded
0+
Banking Partners
0+
Years Experience
50+ Partner Banks & Credit Institutions
Compare competitive interest rates, flexible collateral options, and multi-facility limits (CC/OD/LC/BG) across premier lenders.
Compare 30+ working capital offers.
Updated rates from leading banks and NBFCs.
ICICI Bank
RBI-regulated · Direct lender
Interest
10.50% p.a.
Processing fee
1%
Amount
₹25 L – ₹20 Cr
Tenure
12–36 months
HDFC Bank
RBI-regulated · Direct lender
Interest
10.75% p.a.
Processing fee
1.25%
Amount
₹50 L – ₹15 Cr
Tenure
12–36 months
Yes Bank
RBI-regulated · Direct lender
Interest
11.00% p.a.
Processing fee
1.5%
Amount
₹25 L – ₹10 Cr
Tenure
12–36 months
Why Businesses Choose Us
Optimize your operational cash cycle with tailored OD/CC lines and structured bill discounting.
Overdraft & Cash Credit Lines
Access revolving OD/CC facilities across 50+ partner banks with interest calculated purely on the daily utilized balance.
Dedicated Trade Advisors
Work with an experienced relationship manager who structures custom credit limits against inventory, receivables, and GST returns.
100% Transparent Terms
Clear visibility on interest rates, annual renewal charges, and commitment fees with zero hidden advisory charges.
Invoice & Bill Discounting
Convert your unpaid buyer invoices into instant liquid cash with pre-approved vendor/debtor discounting facilities.
Secured & Unsecured Limits
Choose collateral-free working capital limits up to ₹5 Crores or structured property-backed lines up to ₹20 Crores.
Seamless Annual Renewal
Hassle-free yearly limit enhancements aligned with your annual business turnover growth and banking conduct.
Working Capital Facility Variants
Customized credit facilities designed to keep your business inventory, receivables, and trade operations smooth.
Raw Material & Inventory Stocking
Funding bulk raw material procurement and seasonal stock buildup ahead of peak demand.
Trade Receivables & Invoice Financing
Bridging 60 to 90-day buyer credit cycles by discounting enterprise invoices.
Payroll & Operational Expenses
Meeting monthly employee salary outlays, utility bills, and routine administrative overheads.
Vendor Advance Payments
Securing cash discounts from suppliers by making immediate upfront payments.
Seasonal Business Spikes
Managing temporary cash flow mismatches during festival sales, harvest periods, or tender execution.
Letter of Credit & Bank Guarantees
Non-fund-based LC/BG credit lines for domestic trade and international import/export requirements.
Eligibility Criteria
Key requirements for MSMEs, trading firms, manufacturers, and corporate entities.
Note: Unsecured working capital lines up to ₹5 Crores are approved based on GST returns and banking transactions without property collateral.
Documentation Checklist
Standardized checklist for rapid line assessment.
Business KYC
GST Certificate, Udyam & Entity Registration
Promoter KYC
PAN Card, Aadhaar Card & Address Proof
Financial Reports
2 Years Audited P&L, Balance Sheet & ITRs
Banking & Stock
12 Months Current Account Statement & Stock Debtors Report
Working Capital Calculator
Estimate your monthly installments, interest outlays, and total repayment breakdown instantly.
Businesses We've Empowered
Real stories of enterprises managing working capital, Cash Credit, and Overdraft limits with Nidhivriddhi assistance.
"Got our Cash Credit line sanctioned at 10.15% interest. Pay only on daily usage—freed up our raw material pipeline!"
Sanjay Singhal
Apex Polymer Industries, Ludhiana
₹4.5 Crores CC Line
"Structured non-fund LC/BG lines for international buyer contracts. Seamless execution and expert guidance!"
Praveen Nair
Kerala Spices Exports, Kochi
₹8.0 Crores LC/BG Line
"Invoice discounting unlocked 90% liquidity against 60-day buyer bills. Transformed our monthly cash flow cycle!"
Varun Malhotra
Malhotra TexFab, Surat
₹2.5 Crores Invoice Line
"Unsecured overdraft set up in 5 days based on our GST filings. Zero hassle and transparent annual renewal."
Anand Joshi
TechServe Systems, Pune
₹1.8 Crores OD Line
"Switched from a high-cost lender to a top PSU bank with lower interest rate and ₹1.5 Cr limit enhancement."
Gautam Shah
Shah Auto Components, Rajkot
₹6.0 Crores Limit
"Got our Cash Credit line sanctioned at 10.15% interest. Pay only on daily usage—freed up our raw material pipeline!"
Sanjay Singhal
Apex Polymer Industries, Ludhiana
₹4.5 Crores CC Line
"Structured non-fund LC/BG lines for international buyer contracts. Seamless execution and expert guidance!"
Praveen Nair
Kerala Spices Exports, Kochi
₹8.0 Crores LC/BG Line
"Invoice discounting unlocked 90% liquidity against 60-day buyer bills. Transformed our monthly cash flow cycle!"
Varun Malhotra
Malhotra TexFab, Surat
₹2.5 Crores Invoice Line
"Unsecured overdraft set up in 5 days based on our GST filings. Zero hassle and transparent annual renewal."
Anand Joshi
TechServe Systems, Pune
₹1.8 Crores OD Line
"Switched from a high-cost lender to a top PSU bank with lower interest rate and ₹1.5 Cr limit enhancement."
Gautam Shah
Shah Auto Components, Rajkot
₹6.0 Crores Limit
Frequently Asked Questions
Everything you need to know about OD, CC, and working capital lines.
Let's Find the Right Working Capital Loan for Your Business
Speak with our lending specialists and compare working capital financing options from multiple banks and NBFCs based on your business profile.