All services
Business & MSME
Working Capital / CC / OD
Revolving credit for daily operations — pay interest only on utilised amount.
- Interest rate
- 9% – 16% p.a.
- Loan amount
- ₹2 lakh – ₹50 crore (against stock/receivables)
- Tenure
- 12 months, renewable
- Processing fee
- 0.5% – 1.5% (annual renewal fee)
Eligibility
- Operating business with regular receivables
- Stock/book-debt statement monthly
Documents required
- KYC
- Audited financials (2 yr)
- GST returns
- Stock statement
- Collateral if drawing >₹10L
Key features
- Revolving credit
- Interest only on utilised amount
- Renewable annually
- For inventory and receivables
Best for: Cyclical businesses, traders, manufacturers with inventory cycles.
Insider tip: Use the CC limit; don't park it. Banks track 'limit utilisation' for renewal pricing.
Why apply through Moneymax Fingrow
- 19 years of lending expertise and ₹1,048 Cr+ disbursed.
- 48+ banks & NBFCs compared in a single application.
- Doorstep document pick-up across Chennai, Bengaluru, Hyderabad and Mumbai.
- Transparent fees, lowest negotiated rates, end-to-end handholding till disbursal.
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