Working Capital & Banking Facilities

OD / CC / BG – Working Capital & Banking Facilities

Structured overdraft, cash credit, and bank guarantee facilities routed through leading banks and financial institutions to support day‑to‑day business operations and contracts.

NRT Easy Loans acts as a financial facilitation partner, helping your business prepare, structure, and coordinate with banks for suitable working capital and non‑fund based limits.

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Bank‑Linked Working Capital Solutions

Explore overdraft, cash credit, and bank guarantee support through multiple banking partners, aligned with your business cash flow and compliance profile.

Overview of OD, CC & BG Facilities

Overdraft, cash credit, and bank guarantees are core working capital tools offered by banks to support inventory, receivables, and contract‑linked obligations for eligible businesses.

Role of NRT Easy Loans

NRT Easy Loans does not directly lend or sanction OD / CC / BG limits and acts only as a facilitator between businesses and partner banks.

All facilities are sanctioned, priced, and documented exclusively by the respective banks or financial institutions.

Overdraft (OD)

An overdraft facility enables businesses to overdraw their current account within an approved limit for short‑term working capital and cash flow mismatches.

Flexible drawings within sanctioned limit
Interest usually on utilized amount as per bank norms
Linked to current account with the bank

Cash Credit (CC)

Cash credit is a revolving working capital facility usually backed by stocks and receivables, meant to finance day‑to‑day business operations.

Drawing power based on stock and debtor statements
Periodic submission of statements as per bank policy
Suitable for trading, manufacturing, and service units

Bank Guarantee (BG)

A bank guarantee is a non‑fund based facility where the bank undertakes to pay a beneficiary on behalf of the applicant in line with the guarantee terms.

Used for performance, bid, and financial guarantees
Issued for contracts, projects, and tenders
Margin and security as per bank guidelines

When Businesses Use These Facilities

OD, CC, and BG facilities are typically availed to smoothen cash flows, support growth, and meet contractual commitments without straining internal liquidity.

Working Capital Management

Managing purchase cycles, seasonal inventory, and receivable collections while maintaining uninterrupted business operations.

Trade & Contract Execution

Supporting domestic trade, project execution, and supply commitments that call for assured funding or guarantees from banks.

Vendor & Supplier Commitments

Ensuring timely payments to vendors and suppliers through structured limits aligned with business purchase volumes.

Government & Private Tenders

Fulfilling bid, performance, and security guarantee requirements specified in government or private tender conditions.

How NRT Easy Loans Assists

A dedicated team supports your business in evaluating needs, preparing documentation, and coordinating with suitable banking partners, helping reduce the internal compliance and follow‑up burden.

Business Assessment

Preliminary review of business profile, industry, turnover, banking pattern, and facility requirements to understand suitable OD / CC / BG possibilities with banks.

Helps align working capital and guarantee needs with bank appetite and policy framework.

Limit Structuring Support

Assistance in discussing optimal mix of OD, CC, and BG facilities with banks based on business cycles, order book, and security profile.

Facility structures are finalised and approved only by the respective banks in line with their credit policies.

Documentation Preparation

Guidance on compiling KYC, financials, banking records, and business documents required for OD / CC / BG proposals as per bank checklists.

Reduces repetition and enhances quality of submissions for faster bank evaluation wherever possible.

Bank Coordination & Renewals

Coordination with relationship managers for proposal submission, queries, and periodic review or renewal requirements as per bank processes.

Banks independently perform credit appraisal and make final decisions on approval, conditions, and renewals.

Reduced Compliance Burden

By centralizing documentation and follow‑ups, businesses can focus more on operations while banking partners handle appraisal and sanction decisions.

Eligibility Overview

Final eligibility, security norms, and limit assessment are determined by the respective banks, but businesses can review typical parameters considered during OD / CC / BG evaluations.

Business Vintage

Years in operation, legal constitution, and continuity of business activities.

Established business track record
Stable or growing operations

Financial Performance

Turnover trends, profitability, leverage, and cash flows as reflected in audited financials.

Consistent revenues and margins
Acceptable debt and repayment profile

Banking History

Conduct of existing accounts, repayment record, and relationship with current bankers.

Regular account operations
Clean repayment and compliance track

Compliance & Documentation

Availability of statutory registrations, filings, and documentation required by banks.

Updated KYC and statutory records
Timely filing of returns and statements

Documents Commonly Required

Exact documentation may vary by bank, facility type, and proposal size, but the following categories are generally requested during OD / CC / BG submissions.

Business KYC & Constitution

Incorporation / registration documents
PAN, GST, and other statutory registrations
KYC of promoters / partners / directors

Financial Statements

Audited financials for recent years
Provisional results, if applicable
Projected financials for proposed facilities

Bank Statements

Recent current account statements
Existing loan / limit statements
Statements from primary operating banks

Existing Facility Details

Sanction letters and renewal terms
Security and collateral details
Existing OD / CC / BG and term loans

Contracts & Tender Documents (for BG)

Copy of tender / contract
Guarantee format and conditions
Related work orders or LOIs, if any

OD / CC / BG Process

A structured, bank‑aligned workflow helps your business move from initial requirement discussion to sanctioned working capital or guarantee limits, subject to bank approval.

Requirement Discussion

Understanding business profile and OD / CC / BG needs.

Eligibility Review

High‑level review of financials and banking history.

Documentation

Compilation of KYC, financials, and facility details.

Bank Evaluation

Partner bank performs independent credit appraisal.

Sanction & Activation

Limit sanction, documentation, and operationalisation by bank.

Important Disclosure

NRT Easy Loans is a financial facilitation and advisory partner and does not provide OD, CC, BG, or any other credit facilities on its own balance sheet. All overdraft, cash credit, and bank guarantee limits are sanctioned and operated solely by the respective banks or financial institutions in their own name.

Final decisions regarding eligibility, sanction, limit amount, interest rate, charges, documentation, security, validity, and other terms and conditions rest entirely with the partnering banks as per their internal credit policies and regulatory guidelines.

Sanctioned limits are generally subject to periodic review or renewal by the bank, which may modify, enhance, reduce, or withdraw facilities at its discretion in line with its assessment. Businesses are advised to carefully review sanction letters, facility agreements, and applicable bank policies before availing any facility.