Drop-Line Overdraft (Secured)
Flexible credit that reduces as you repay.
- StructureSecured drop-line OD
- LTVUp to 70% of property
- InterestCharged on usage only
About this product
Why clients choose Viva Capital for DLOD.
DLOD is a secured drop-line overdraft against property — a sanctioned limit that reduces on a pre-agreed schedule. Interest is charged only on the amount drawn, giving you working-capital flexibility at secured-loan rates.
What we offer
Key features
- Secured against residential or commercial property
- Limit reduces on a stepped (drop-line) schedule
- Interest only on utilisation
- Re-drawable within available limit
Who can apply
Basic eligibility
- Owner of clear-titled residential or commercial property
- Operating business or self-employed profile
- Healthy banking profile and repayment track record
Keep ready
Documents required
- Property title chain + sale deed
- Last 12 months banking statements
- ITR + financials (self-employed) or income proof (salaried)
- KYC of all applicants
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
