Business & MSME
Working Capital / CC / OD
Revolving credit for daily operations — pay interest only on utilised amount.
- Interest rate
- 10.00% – 16.50% p.a.
- Loan amount
- ₹2 lakh – ₹50 crore (against stock/receivables)
- Tenure
- 12 months, renewable
- Processing fee
- 0.5% – 1.5% (annual renewal fee)
Indicative figures only. The final amount, interest rate and tenure are subject to lender eligibility, property valuation, cash flow and credit policy. Approval is decided by the lender.
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
- Founders with 19+ years of banking and NBFC experience; ₹1,048 Cr+ disbursed since 2017.
- 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.
Free 2026 rate guide
MSME Loan Interest Rates 2026: 48+ Banks & NBFCs Compared
See which lender gives your business the cheapest money — from 8.5% p.a., approval in 48 hours.
Comparing facilities rather than one product? Our business loan and MSME funding guide sets out working capital finance, overdraft, cash credit, term loan and loan against property side by side.
Related Business & MSME
Overdraft (OD)
Revolving credit facility for working capital — pay interest only on the amount you use.
ViewCash Credit (CC)
Working capital limit against stock and book debts for traders, manufacturers and distributors.
ViewTerm Loan
Structured medium-to-long term funding for capex, expansion, machinery or business growth.
ViewBusiness Loan (Unsecured)
Collateral-free term loan for working capital, expansion or equipment.
View