Working Capital Limits are short-term credit facilities offered by banks to fund a business's day-to-day operational needs — covering raw material purchases, salary payments, outstanding debtors, inventory holding, and operational expenses. Unlike term loans, working capital is revolving in nature — you draw as needed and repay when receivables come in, paying interest only on the utilised amount.
Cash Credit (CC)
A revolving credit line secured against stock and debtors. Draw funds as needed, repay when receivables come in. Most popular WC product for manufacturing businesses.
Letter of Credit (LC)
A guarantee facility for domestic and international trade — the bank pays your supplier directly upon delivery of goods, reducing counterparty risk.
Overdraft (OD)
Credit facility linked to your current account — withdraw beyond your balance up to a set limit. Pay interest only on the amount overdrawn each day.
Packing Credit
Pre-shipment finance for exporters — funding against confirmed export orders or LC to procure raw materials and manufacture goods for export.
Bill Discounting
Unlock cash tied up in unpaid invoices — the bank advances funds against your receivables at a discount, improving immediate cash flow.
Bank Guarantee (BG)
Non-fund based limit — the bank guarantees your performance or payment obligations to third parties, freeing your cash from security deposits.
- All business entities — manufacturing, trading, services, exports
- Minimum 1–2 years business vintage with consistent turnover
- Businesses with regular order flow, debtors, and inventory cycles
- Exporters and import/export traders for LC and packing credit
- Good CIBIL score of 700+ for proprietors/directors and entity
- Businesses with NPA accounts or irregular repayment history
- Entities without adequate stock, debtors, or receivables as primary security
Working Capital Assessment
C&S Consultancy calculates your working capital gap based on operating cycle, turnover, debtors, and stock levels.
Product Selection & Lender Choice
We identify the right WC product (CC, OD, LC, BG) and the best bank/NBFC for your business profile.
CMA Data & Documentation
Our team prepares Credit Monitoring Arrangement (CMA) data — a key document for WC limit sanction.
Sanction & Limit Setup
Post credit appraisal, the bank sanctions the limit. We assist in completing all formalities including stock hypothecation.
Annual Renewal Support
WC limits require annual renewal. We handle the renewal process, stock statements, and DP calculations every year.
⚡ C&S Working Capital Advantage
- We prepare professional CMA data that maximises your eligible limit
- Access to fund-based and non-fund-based limits from the same bank — maximise your banking facility
- Annual renewal management — never miss your renewal deadline with our calendar-based tracking
- Compare WC rates across 15+ banks — difference of 1% saves lakhs annually
- We handle the entire DP (Drawing Power) calculation and stock reporting compliance