Working Capital
Keep your business running smoothly with the right working capital.
Cash credit, overdraft, invoice discounting, or short-term loans — we match your business with the right working capital product to manage operations and cash flow.
Apply Now11%+
Interest Rate
₹2 Cr
Max Limit
12 Months
Tenure
Annual
Renewal
Working Capital Products We Offer
Cash Credit (CC)
A revolving credit facility against stock and debtors — draw and repay as needed within your sanctioned limit.
Overdraft (OD)
Overdraft facility against property, FD, or other assets — flexible access to funds when you need them.
Invoice Discounting
Convert your outstanding invoices into immediate cash — ideal for businesses with long payment cycles.
Short-Term Loans
Fixed-term working capital loans for specific business needs with structured repayment schedules.
Bill Discounting
Discount your trade bills to access funds before the due date — improve your cash conversion cycle.
Zero Borrower Fees
Our service is completely free for borrowers. We are compensated by the lender, not by you.
Eligibility Criteria
- Business vintage of minimum 2 years
- Positive cash flow and business profitability
- GST registration and regular filing
- Promoter CIBIL score of 700 or above preferred
- Annual turnover as per lender requirements
- Clean banking history with no cheque bounces
Documents Required
- PAN Card (business and promoter)
- GST registration and returns (last 12 months)
- Last 2 years ITR with financials
- Last 12 months bank statements
- Stock statement and debtor/creditor list (for CC)
- Business registration documents
Frequently Asked Questions
What is the difference between CC and OD?
Cash Credit (CC) is typically secured against stock and debtors, while Overdraft (OD) is secured against property, FD, or other assets. Both are revolving credit facilities.
How is interest calculated on working capital?
Interest is charged only on the amount utilised, not on the full sanctioned limit. This makes working capital facilities cost-effective for businesses.
How often is the working capital limit renewed?
Working capital limits are typically renewed annually, subject to satisfactory account conduct and updated financials.
Does Kozynex charge any fee?
No. Our services are completely free for borrowers. We are compensated by the lender as a registered DSA/LSP.
Strengthen Your Business Cash Flow
Get the right working capital product for your business — free consultation, zero fees.