Cash Credit Loan
Cash Credit Loan
About Cash Credit Loan
Running a business requires a steady flow of working capital—and that’s where Rupaya Bazar’s Cash Credit Loan comes in. Designed specifically for small and medium enterprises (SMEs), traders, manufacturers, and service providers, our Cash Credit facility allows businesses to borrow money against their inventory or receivables to cover day-to-day operational expenses.
With flexible withdrawals, competitive interest rates, and repayment based on actual usage, our Cash Credit Loan helps your business stay liquid, agile, and ready for growth—no matter the industry or season.
Features and Benefits
- Working Capital Support: Helps manage operating costs like raw materials, payroll, and overheads.
- Revolving Credit Limit: Withdraw funds multiple times within the sanctioned limit as per business needs.
- Interest on Utilized Amount: Pay interest only on what you use, not the entire limit.
- Collateral-Based Lending: Offered against stock, receivables, fixed assets, or other business collateral.
- High Loan Limits: Sanctions based on your turnover, cash flow, and collateral value.
- Flexible Tenure: Facility typically available for 12 months and renewable annually.
- Business Continuity: Helps bridge short-term cash flow gaps without interrupting operations.
Eligibility Criteria
- Business Vintage: Minimum 1–3 years of established business operations preferred.
- Entity Type: Proprietorships, partnerships, LLPs, private limited companies, and SMEs.
- Turnover: Sufficient annual turnover and profit margins to support loan repayment.
- Collateral: Movable or immovable assets (such as inventory, receivables, property) required as security.
- Credit Profile: A satisfactory credit score and repayment history enhance loan approval chances.
FAQs
It is a revolving credit facility that allows businesses to withdraw funds up to a sanctioned limit to meet working capital needs.
Interest is charged only on the amount utilized from the limit, not on the full sanctioned amount.
Yes, the facility is typically renewed annually, subject to review of financials, usage, and repayment performance.
Business registration proof, financial statements, GST returns, KYC documents, and details of inventory/receivables or collateral.
Yes, most cash credit loans are secured. However, unsecured limits may be considered for select clients with strong financials.
Submit Your Enquiry Here
LEADERSHIP
Why Choose Us
Excellence in Every Detail
Expert Team
Personalized financial guidance from seasoned professionals.
Fast & Hassle-Free Process
Quick service with minimal documentation
and delays
Wide Product Range
Comprehensive financial solutions
under one roof.
Customer-Centric Approach
Tailored services focused on your
financial goals.
Transparency & Trust
Honest communication, building lasting client trust.
Always Within Reach
Accessible support via branches,
WhatsApp, social media.
Strong Local Network
Deep outreach in Tier 2–4 cities.
Automobile & Vehicle Finance
Specialized support for vehicle finance and purchase
We guide your financial path with outstanding service and
unwavering support
A delightful calm has filled my soul, much like the gentle mornings of spring that I so deeply enjoy.
Fast Disbursal
System
Tailored Financial
Solution
Transparent
Process
