Overdraft (OD) & Cash Credit (CC) for growing businesses.
Flexible access to working capital for daily operations, inventory, payroll and seasonal demand. Compare OD & CC facilities from 100+ Banks & NBFCs with Arena Fincorp.
Overview
Understanding Overdraft & Cash Credit.
An Overdraft (OD) facility lets eligible businesses or individuals withdraw funds beyond the available balance in a linked account, up to a sanctioned limit. Interest is generally charged only on the amount utilized, subject to lender terms.
A Cash Credit (CC) facility is primarily designed for business working capital. The credit limit is usually sanctioned against eligible business assets like inventory or receivables, subject to lender policies.
Both facilities offer flexibility — draw funds when needed instead of borrowing a fixed amount through a traditional term loan.
Use, repay and reuse within your sanctioned limit.
Interest generally on utilized amount only.
Structure varies by lender and facility type.
Aligned to your cash flow cycle.
Compare
Overdraft vs Cash Credit.
Features vary by lender. Here is a quick side-by-side view.
- Linked to an account with a sanctioned limit
- Suitable for managing temporary cash flow gaps
- Interest is generally charged on the utilized amount
- Flexible withdrawals within the approved limit
- Primarily designed for business working capital
- Commonly secured against eligible business assets
- Interest is generally charged on the utilized amount
- Flexible utilization based on sanctioned limits
Features vary by lender.
Why Arena Fincorp
Why choose us for OD & CC facilities.
Compare 100+ Banks & NBFCs
Evaluate multiple financing options through one trusted platform.
Customized Business Solutions
Recommendations tailored to your business profile and funding needs.
Competitive Interest Rates
Compare offers before making a financial decision.
Higher Approval Opportunities
We help identify lenders that best match your business eligibility.
Dedicated Business Advisors
Expert support throughout the financing process.
End-to-End Assistance
From enquiry to documentation and lender coordination.
Benefits
Why businesses choose OD & CC.
*Subject to lender terms.
Where It Fits
Keep your business running smoothly.
Eligibility
Who can apply.
Eligibility varies by lender. Final approval depends on the selected lender's assessment.
- Indian citizen or registered business entity
- Operate an eligible business
- Demonstrate stable business operations
- Maintain satisfactory banking transactions
- Meet lender-specific financial requirements
- Provide required business documents
Documents
Documents required.
- Aadhaar
- PAN
- Passport
- Driving Licence
- Aadhaar
- Utility Bill
- Passport
- GST Registration
- Udyam Registration
- Business Registration
- Partnership Deed / MOA / AOA
- Bank Statements
- ITR
- Balance Sheet
- P&L Statement
- GST Returns
*Additional documents may be requested by the lender.
How It Works
Apply in five simple steps.
Share Your Requirement
Tell us your business funding need.
Business & Financial Assessment
Experts review your profile.
Compare OD & CC Options
Evaluate limits, rates and structures.
Documentation & Verification
Guided end-to-end paperwork support.
Facility Approval & Activation
Subject to lender approval and policy.
Why Compare
Better credit facilities through better comparisons.
Different lenders offer different credit limits, eligibility requirements, repayment structures, security requirements and charges. Arena Fincorp lets you compare OD & CC facilities from 100+ Banks & NBFCs so you can make a well-informed financing decision.
Financial Planning
Manage business cash flow with confidence.
Use our EMI & Financial Planning tools to estimate repayments for applicable facilities and better understand your working capital requirements before applying.
Why Businesses Trust Us
Supporting businesses across India.
Testimonials
Trusted by business owners.
“Arena Fincorp helped us compare multiple OD facilities and guided us through the documentation process. Their support ensured we found a working capital solution that matched our business needs.”
FAQ
Frequently Asked Questions
Flexible working capital when you need it most.
Whether you're managing seasonal demand, improving cash flow or funding daily operations, Arena Fincorp helps you compare, choose and secure the right Overdraft or Cash Credit facility for your business.