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Flexible Working Capital

Cash Credit
Loan Flexible & Smart

Access funds anytime up to your approved limit. Pay interest only on the amount you use. Perfect for managing daily business expenses.

Apply for Cash Credit Calculate Interest
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Active CC Accounts
0Cr+
Limit Sanctioned
0hrs
Approval Time
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Flexible Working Capital
For Your Business

Our cash credit experts will reach out within 1 business hour. No hidden fees, transparent terms.

No application fee
Soft credit check — won't affect your score
Personalised interest rate
100% digital process
Decision within 48 hours
9246545737 support@kfinone.com
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Key Benefits

Why Choose Cash Credit
For Your Business?

Improved Cash Flow

Manage daily expenses without financial strain.

Access When Needed

Withdraw funds anytime within approved limit.

Pay on Utilization

Interest only on amount you use.

Support Operations

Manage inventory, suppliers, payroll efficiently.

Common Uses

What Can You Use
Cash Credit For?

Inventory Purchase

Buy raw materials & finished goods

Supplier Payments

Pay vendors on time

Payroll Expenses

Manage salary disbursements

Daily Operations

Rent, utilities, office expenses

Seasonal Needs

Peak season working capital

Business Expansion

Growth opportunities

Key Features

What Makes Our
Cash Credit Special

Flexible Limits

Customized credit limits

Competitive Rates

Affordable interest

Quick Processing

Fast approval & setup

Easy Documentation

Minimal paperwork

Revolving Facility

Use & repay anytime

Dedicated Support

Personalized assistance

Requirements

Eligibility & Documents

Eligibility Criteria

Registered business (proprietorship, partnership, pvt ltd)
Minimum 2-3 years of business operation
Stable business turnover & repayment capacity
Satisfactory credit history (CIBIL 650+)
Valid KYC and business registration documents

Documents Required

Identity: Aadhaar / PAN / Passport
Address: Utility bill / Driving license
Business: Registration / GST / Trade license
Financial: Bank statements (12 months) / ITR (2-3 years) / Balance sheet
Any other documents requested during processing
Interest Calculator

Calculate Your Cash Credit Interest

Amount Utilized₹5,00,000
₹50K₹2Cr
Interest Rate (% p.a.)11.49%
9%16%
Number of Days Utilized30 days
1 day90 days
Total Interest Payable
₹4,718
for the selected period
Daily Interest
₹157
Monthly Interest
₹4,718
Apply for Cash Credit
FAQs

Cash Credit Loan
Questions Answered

Get clarity on limits, interest calculation, and repayment for working capital facility.

Still Have Questions?

Our cash credit specialists are here to help.

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01
What is a cash credit loan?
A cash credit facility allows businesses to withdraw funds up to a pre-approved limit. Interest is charged only on the amount utilized, not on the entire limit.
02
What is the maximum credit limit?
Up to ₹2 crore, based on business turnover, financial statements, and repayment capacity.
03
How is interest calculated?
Interest is calculated on the daily outstanding balance. You pay only for the amount you use and for the number of days you use it.
04
Do I need to provide collateral?
Higher limits may require collateral such as property, inventory, or other business assets. Smaller limits may be unsecured based on credit profile.
05
How long does approval take?
Typically 48-72 hours for approval. Facility activation within 5-7 working days after document submission.
06
Can I repay and reuse the limit?
Yes, cash credit is a revolving facility. As you repay, the limit gets restored for future use.
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