Working Capital financing helps businesses manage day-to-day operational expenses smoothly. It ensures uninterrupted cash flow for salaries, inventory, and overhead costs. Designed to bridge short-term funding gaps efficiently. Supports stable growth and business continuity.
Checklist – OD/CC (Limits Loan Application) (Cash Credit / Overdraft Facility for SMEs), and Manufacturers)
Business Identity
– Certificate of Incorporation / Registration (Company, LLP, Partnership, Proprietorship)
– GST Registration Certificate
– PAN Card (Business & Promoters)
– Memorandum & Articles of Association / Partnership Deed
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Financial Documents
– Last 3 years Audited Balance Sheet & Profit & Loss Statements
– Latest Income Tax Returns (Business & Promoters)
– Current year Provisional Financials
– Bank Statements (last 6–12 months)
– Statement of existing borrowings (if any)
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Operational Documents
– Stock Statement (latest, certified)
– Debtors & Creditors List (Aging report)
– Sales & Purchase Bills (recent)
– Details of existing OD/CC limits (sanction letters, utilization reports)
✅ Compliance & Legal
– KYC of Directors/Partners (Aadhar, PAN, Passport, Voter ID)
– Address Proof of Business (Electricity Bill, Rent Agreement, Property Papers)
– Board Resolution (for companies)
– Credit Bureau Report (CIBIL/Experian)
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✅ Collateral / Security (if applicable)
– Property Documents (Title Deed, Tax Receipts, Valuation Report)
– Hypothecation of Stock & Book Debts
– Insurance Papers of Assets
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✅ Other Supporting Documents
– Business Profile / Company Brochure
– Projected Cash Flow Statement
– Loan Application Form (signed & stamped)
– Government Scheme Eligibility Proof (CGTMSE, CGSS, etc.)