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Manage your working capital efficiently with professional assistance for Cash Credit (CC) and Overdraft (OD) limits. HIVA Professionals provides complete support in documentation, limit assessment, enhancement, and renewal to ensure smooth banking operations.
Cash Credit (CC) is a short-term working capital facility provided by banks against stock or receivables. Businesses can withdraw funds up to the sanctioned limit as needed. Overdraft (OD) is a credit facility linked to a current account that allows withdrawal beyond the available balance up to a pre-approved limit.
This type of overdraft requires collateral such as property, stock, fixed deposits, or receivables. The bank determines the credit limit based on the value of the security provided.
An unsecured overdraft is provided without collateral. Approval is usually based on the borrower’s credit history, financial performance, and relationship with the bank.
A short-term overdraft facility offered to meet immediate or urgent financial requirements. It is generally approved for a limited period and must be repaid within the specified timeframe.
A clean overdraft is granted without specific security. It is typically offered to customers with a strong banking relationship and consistent account transactions.
CC / OD facilities can be applied through banks or financial institutions by submitting the required documents and financial details.
Basic Steps:
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