Loan Product
Working Capital
Keep operations running smoothly — working capital lines, cash credit, and overdraft facilities tailored to your business cycle.
Facilitator, not a lender · No fee from borrowers · Free consultation
- Cash credit, OD & short-term lines
- Pay interest only on what you use
Seasonal demand, delayed receivables, or a sudden bulk order — every business faces cash-flow gaps. 4S Finserv helps you structure the right working capital facility with the right lender, so your operations stay uninterrupted and your growth plans stay on track.
Loan Types We Arrange
- Cash credit (CC) limits
- Overdraft (OD) against property or FD
- Short-term working capital loans
- Bill discounting and invoice financing
Key Benefits
- Interest rates from 12.00%* p.a.
- Flexible limits based on turnover and business cycle
- Revolving credit — draw and repay as needed
- Secured and unsecured options available
- Fast renewals with minimal reassessment
Eligibility
- Business with at least 2 years of operations
- Healthy bank statements and GST filing history
- Promoter age 21–65 years
Frequently Asked Questions
What is a cash credit limit?
A CC limit is a revolving credit line sanctioned against your business assets — you draw as needed and pay interest only on the amount used.
Do you lend directly?
No. 4S Finserv connects you to partner banks and NBFCs; approval, limit, and terms are at the lender's discretion.
Can I get an unsecured working capital line?
Yes, for businesses with strong financials, several lenders offer unsecured CC or overdraft limits based on turnover and credit score.
Ready to move forward with your working capital?
Get a free, no-obligation callback from our team. We compare lenders so you don't have to.