Overdraft (OD) / Cash Credit (CC) Consulting in Delhi NCR
Helping you plan working capital limits that support your business cycle—not strain your cash flow.
Turn Your Working Capital Needs into a Limit You Can Reliably Manage.
Our Overdraft (OD) / Cash Credit (CC) Consulting service is for businesses in Delhi NCR that depend on regular working capital—traders, manufacturers, service providers and MSMEs of all sizes. Instead of accepting any limit that a lender offers, we first understand your purchase cycle, credit terms with customers and suppliers, seasonal patterns and existing borrowings. Then we help you see what type of OD or CC structure and limit are truly suitable for your business.
We guide you through eligibility checks, assessment of drawing power, documentation and lender shortlisting. You’ll know how limits are calculated, which financials and stock statements are required, and what each lender is really offering beyond just the interest rate. We explain important terms such as DP calculation, renewal conditions, security, margin, utilisation patterns and penal charges in simple language so you can manage the account confidently.
From the first discussion to final sanction, we stay with you as a consulting partner. We coordinate with lenders, help you prepare projections and respond to credit queries. After sanction, we can also assist you in understanding quarterly requirements, stock/Book-Debt statements and basic planning for renewals or enhancements. The result is an OD/CC facility that fits your business needs instead of creating constant pressure.
Why Plan Your OD / CC Facility with APFIN Consulting
A well-designed working capital limit should keep your business moving, not stuck.
Working Capital Analysis
We study your sales, purchases and collection cycle to estimate realistic limit needs so you neither over-borrow nor face frequent shortages.
Bank-Neutral Comparisons
We compare multiple lenders in Delhi NCR on interest rates, margins, security, renewal terms and charges so you understand the full cost of each option.
Documentation Support
From financial statements and GST returns to stock statements, ageing reports and collateral papers, we create a clear checklist and flag issues early.
End-to-End Guidance
We stay involved from proposal to sanction, helping you prepare CMA data or projections, handle queries and understand sanction terms, covenants and renewal requirements.
Lender Network Access
We work with a wide network of banks, NBFCs, and other financial institutions to help match clients in Delhi NCR with suitable loan products. These institutions are part of our lender network and are independent entities. We remain an independent consultant, focused on explaining terms clearly and helping you choose what best fits your profile.
Ready to Plan Your OD / Cash Credit Limit in Delhi NCR?
If your business needs smooth working capital for purchases, inventory or receivables, we’re here to help you design the right OD/CC facility. Talk to our team to review eligibility, compare lender options and set up a limit that supports your daily operations with confidence.
