Working Capital
Smart liquidity for business continuity.
- FacilityOD / CC / BD
- LimitLinked to turnover
- RenewalAnnual
About this product
Why clients choose Viva Capital for WC.
Working capital facilities — overdraft, cash credit, and bill discounting — to keep your operations smooth. Limits sized to your business cycle, with annual renewal.
What we offer
Key features
- Overdraft / cash credit against stock and receivables
- Bill discounting for faster cashflow
- Annual renewal with limit enhancement
- Tied to turnover, debtors, and inventory
Facilities under WC
Choose the right facility.
- CC
Cash Credit
Revolving credit limit drawn against stock and receivables, renewed annually.
- OD
Overdraft Limit
Withdraw beyond your account balance up to a sanctioned ceiling — interest on usage only.
- BG
Bank Guarantee
The bank's written assurance to a third party on your behalf, for tenders and contracts.
- LC
Letter of Credit
A payment guarantee that secures supplier and trade transactions, domestic or import.
- WCTL
Working Capital Term Loan
A fixed-tenure loan to fund recurring working-capital needs alongside your limits.
Who can apply
Basic eligibility
- Business with audited financials
- Annual turnover ₹2 Cr+
- Operational for 3+ years
Keep ready
Documents required
- Last 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
