Cash Credit
A revolving limit that funds your day-to-day operations.
- FacilityRevolving credit limit
- LimitLinked to stock & debtors
- RenewalAnnual
About this product
Why clients choose Viva Capital for CC.
Cash Credit is a revolving working-capital facility — a sanctioned limit you draw against stock and receivables, repay, and draw again. Interest is charged only on the amount used, making it the workhorse facility for businesses with a recurring inventory cycle.
What we offer
Key features
- Revolving limit — draw, repay, and re-draw freely
- Interest charged only on the utilised amount
- Limit sized to inventory and debtor levels
- Annual renewal with enhancement on growth
Who can apply
Basic eligibility
- Business with audited financials
- Operational for 2+ years
- Adequate stock and receivables to back the limit
Keep ready
Documents required
- Last 2-3 years audited financials
- Last 12 months bank statements
- GST returns
- Stock & debtors statement
A working promise
“A senior advisor reads your file, picks the lender most likely to approve it, and stays with the case until disbursal — even when the first bank says no.”
Our Process
From first conversation —
to disbursal and beyond.
A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.
- 01
Profile Review
Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.
- 02
Bank Matchmaking
We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.
- 03
Documentation
We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.
- 04
Sanction & Support
Funds in your account — and continued assistance after disbursal. We stay with the case.
Trusted by Leading Banks & NBFCs
