Salary slips, bank statements, KYC documents, and a stable income profile.
Financial Services
Cash Credit (CC) & Overdraft (OD) Facilities
At Vikas Shelar & Associates, our Cash Credit (CC) & Overdraft (OD) Facilities Service helps businesses maintain healthy cash flow through structured credit line support. We assist with bank coordination, limit enhancement, documentation, and ongoing compliance, ensuring uninterrupted working capital. With expert financial planning and advisory, we make credit access simpler, faster, and stress-free.
- Easy access to flexible working capital credit
- Expert guidance for CC/OD limit enhancements
- Smooth bank coordination for credit approvals
- Optimized financial structure for daily operations
Why Choose Us
Managing day-to-day operational expenses can be challenging without stable working capital support. Our CC & OD advisory ensures your business never faces liquidity gaps by offering strategic credit solutions tailored to your financial structure. From assessing eligibility to negotiating terms and ensuring regulatory compliance, we streamline every step so you can focus on business growth while maintaining financial stability.
Capital Optimization
Smart financial planning designed to improve liquidity and support uninterrupted business operations.
Easy Co-ordination
We manage documentation and bank communication to ensure seamless CC/OD approval processing.
Custom Limits
Your credit limits are structured based on business needs for reliable working capital.
Credit Expertise
Strategic guidance to secure optimal CC/OD facilities that strengthen your business cash flow.
What We Offer
Our CC & OD service covers complete end-to-end support—from application and documentation to negotiations and compliance. We evaluate your financials, coordinate with banks, propose credit-enhancing strategies, and ensure smooth renewal or enhancement processes. Every service is tailored to meet your company’s operational and financial ecosystem.
- Cash Credit limit application & documentation
- Overdraft facility setup & renewal
- CC/OD limit enhancement process
- Financial analysis & credit eligibility assessment
- Bank negotiation & coordination support
- Compliance support & periodic review assistance
Our Simple & Efficient Loan Assistance Workflow
We follow a structured workflow to deliver clarity, faster approval, and optimized credit support. Every stage—from profiling to ongoing management—is aligned to strengthen your working capital cycle and ensure uninterrupted business operations.
Understanding Your Profile
We assess your business model, turnover, financial health, and existing credit obligations to determine suitable CC/OD limits.
01Creating a Credit Strategy
Our team designs a customized credit structure that meets operational needs while improving cash flow.
02Bank Coordination & Processing
We prepare documents, coordinate with banks, respond to queries, and ensure smooth and timely approvals.
03Ongoing Support
You receive continuous guidance for renewals, enhancements, compliance, and future financial planning.
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Benefits You Receive
With our expert CC & OD advisory, your business gets access to uninterrupted working capital, improved liquidity, and a strong financial foundation. We help reduce funding delays, enhance credit eligibility, and ensure optimized operational efficiency.
- Access to multiple lenders for best loan deals
- Faster processing and reduced approval time
- Lower interest rates through expert negotiation
- Hassle-free documentation and paperwork assistance
- Zero hidden charges or misleading commitments
- Complete transparency and personalized financial advice
Frequently Asked Questions (FAQs)
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1 _ What is the minimum requirement for a personal loan?
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2 _ Which banks/NBFCs do you work with?
We work with leading nationalized and private banks, along with top NBFCs.
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3 _ Can I apply if my credit score is low?
Yes. We help identify lenders offering flexible credit policies.
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4 _ Do you charge any upfront fees?
No hidden charges. All service fees are fully transparent.
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5 _ How long does approval typically take?
Depending on the lender, approvals can be completed in 24–48 hours.