Manage your business cash flow efficiently with Overdraft (OD) and Cash Credit (CC) facilities. GM Loan Consultancy helps business owners secure flexible working capital finance to meet operational expenses, inventory purchases, vendor payments, and business growth requirements.
Quick Decision
Use Funds Anytime
Pay Only for Amount Utilized
Expert Financial Guidance
An Overdraft (OD) or Cash Credit (CC) facility is a working capital financing solution designed to help businesses manage short-term cash flow requirements. Unlike traditional loans, businesses can withdraw funds as needed up to a pre-approved credit limit and pay interest only on the amount utilized.
At GM Loan Consultancy, we assist businesses in obtaining OD/CC facilities from leading banks and financial institutions with competitive interest rates and flexible repayment options.
Use our smart EMI calculator to plan your loan repayment easily and choose the best tenure based on your budget.
21 to 60 years
Salaried or Self-employed individuals
Minimum monthly income: ₹15,000
Good credit score (650+)
Stable Employment / Business
An overdraft is a credit facility provided by a bank that allows individuals or businesses to withdraw money from their account even when the available balance is insufficient. Interest is charged only on the amount utilized, making it a flexible financing solution for managing short-term cash flow needs.
Withdraw funds whenever required within the sanctioned limit.
Pay interest only on the amount used, not on the entire credit limit.
Manage day-to-day business expenses without affecting cash reserves.
Loan options available based on business profile and lender policies.
Minimal paperwork and faster sanction process.
Credit limit can be renewed annually based on business performance.
Loan amount determined by turnover, IT returns, GST filings, and banking transactions.
Ideal for managing seasonal demand and expanding operations.
Applicants must satisfy the following requirements:
Aadhaar Card, PAN Card, Passport, Voter ID
Passport, Voter’s ID, Driving License, PAN Card, Aadhaar Card, Electricity Bill, Telephone Bill, Ration Card
GST Registration , Udyam Registration (if applicable), Business Registration Certificate, Partnership Deed / Incorporation Certificate
Passport-size photographs
Bank Statements (Last 6–12 Months), Income Tax Returns, Profit & Loss Statements, Balance Sheet,Profit & Loss Statement
Existing Loan Details (If Any), Business Address Proof, Ownership Proof / Rental Agreement
Calculate your monthly loan EMI instantly.
We are directly connected with India’s top banks and financial sectors to make your loan process simple and quick. Our strong network ensures you get the best interest rates with a hassle-free experience, taking you from application to approval in record time.
