Limits from ₹25 Lakhs to ₹100+ Crores

Working Capital & Project Finance — Empower Your Enterprise Operations

Unlock operational liquidity and secure long-term infrastructure funding with tailored Cash Credit (CC), Overdraft (OD), Letters of Credit (LC), Bank Guarantees (BG), and Structured Capex Term Loans from 40+ premier commercial banks and institutional lenders.

Fund & Non-Fund Based Limits
Competitive ROI from 8.75% p.a.
Multi-Banking & Consortium

Request Corporate Finance Quote

Get quick preliminary assessment and sanction term sheets from top banks.

Structured Solutions

Comprehensive Corporate & Working Capital Facilities

Designed to match your operating cycle, supplier credit, and infrastructure expansion.

Cash Credit (CC) & Overdraft (OD)

Flexible revolving credit line against hypothecation of stock, book debts, and collateral. Pay interest only on the utilized amount with annual renewal.

  • Limits from ₹25L to ₹50Cr+
  • Drawing power based on monthly stock statement
Letter of Credit (LC) & Bank Guarantee (BG)

Non-fund based financial guarantees and inland/foreign documentary credit to reassure domestic vendors, government tenders, and EPC clients.

  • Performance, Financial, & Bid Bond BGs
  • Low margin requirements with 100% bank backing
Project Finance (Greenfield & Capex)

Long-term debt for setting up new factories, warehouses, plant capacity enhancements, commercial complexes, and real estate development.

  • Tenures up to 10-15 years with moratorium
  • Detailed TEV (Techno-Economic Viability) support
Invoice Discounting & Factoring

Convert unpaid customer bills and receivables into immediate working capital without waiting 90 to 120 days for payment realization.

  • Instant liquidity within 24-48 hours
  • Recourse & Non-recourse factoring options
Takeover + Limit Enhancement

Transfer your existing high-cost working capital from your current lender to top-tier banks with lower interest spreads and 20% to 50% limit enhancement.

  • Reduce financing interest costs by 1.5% - 3%
  • Seamless takeover without business disruption
Consortium & Multiple Banking

Coordination and syndication of large credit facilities exceeding single-bank limits across 2 to 5 scheduled commercial banks under lead bank arrangement.

  • Single point CMA preparation and representation
  • Pari-passu charge creation across collateral
Corporate Desk

Checklist & Financial Documentation

Our specialized corporate advisory team assists you in preparing bank-ready CMA data, project reports, and financial ratios for swift board approvals.

  • Audited Financial Statements:

    Last 3 financial years audited Balance Sheet, Profit & Loss Account along with 3CB/3CD audit reports.

  • Bank Statements & GST Returns:

    12 months operative current account bank statements and GSTR-3B / GSTR-1 filings verifying top-line sales.

  • CMA Data & Project Report:

    Past 3 years actuals and 5 to 7 years future projections including DSCR, Current Ratio, and Working Capital cycle analysis.

  • Collateral & Sanction Letters:

    Existing banking sanction letters, property papers for primary/secondary mortgage, and promoter KYC.

Enterprise Advantage

Why mid-market companies and corporate borrowers trust Just Digital for their working capital syndication:

Direct Access to Credit Heads
Direct sanction discussions with Zonal/National credit committees
CMA Data Preparation in 48 Hrs
In-house Chartered Accountants build robust financial models
Best Spreads & Processing Waivers
Substantial reductions in bank inspection fees, processing fees & BG margins
Workflow

Our 4-Step Working Capital Funding Process

Structured execution from assessment to disbursement

1
Submit Details

Fill your firm's turnover and required limit via the online quote form.

2
Financial Assessment

Our corporate desk prepares CMA data, evaluates MPBF and collateral comfort.

3
Bank Term Sheets

We present competitive in-principle sanction offers from 2-3 suitable banks.

4
Sanction & Activation

Execution of documentation, security creation, and drawing power setup.

Associated Lending Network

We Are Associated With All Major Bank & NBFC Companies

Get instant digital loan approvals, best-in-market interest rates, and swift disbursement through our verified network of leading Indian banking and non-banking financial partners.

NBFC
Aditya Birla
Personal & Business Loans
NBFC
Axis Finance
Competitive Interest Rates
NBFC
Bajaj Finance
Instant Digital Disbursal
Bank
Bandhan Bank
Affordable Retail Loans
NBFC
Chola Finance
Flexible EMI Solutions
Fintech NBFC
Finnable
Fast Salary Track Loans
NBFC
Fusion Finance Pvt Ltd
Micro & Small Enterprise Loans
Bank
ICICI Bank
Pre-approved Instant Loans
Bank
IndusInd Bank
Quick Processing & Limits
Bank
Kotak Mahindra Bank
100% Paperless Process
NBFC
Piramal Finance
Hassle-Free Approval
NBFC
Poonawala Fincorp
Transparent & Fast Payouts
Fintech NBFC
Prefr
Direct App Approval
NBFC
Tata Capital
Trusted Financial Solutions
Bank
Utkarsh Small Finance Bank
Retail & MSME Credit
Bank
Yes Bank
Flexible Tenure & Limits
Aditya Birla (NBFC)
Axis Finance (NBFC)
Bajaj Finance (NBFC)
Bandhan Bank (Bank)
Chola Finance (NBFC)
Finnable (Fintech NBFC)
Fusion Finance Pvt Ltd (NBFC)
ICICI Bank (Bank)
IndusInd Bank (Bank)
Kotak Mahindra Bank (Bank)
Piramal Finance (NBFC)
Poonawala Fincorp (NBFC)
Prefr (Fintech NBFC)
Tata Capital (NBFC)
Utkarsh Small Finance Bank (Bank)
Yes Bank (Bank)
Aditya Birla (NBFC)
Axis Finance (NBFC)
Bajaj Finance (NBFC)
Bandhan Bank (Bank)
Chola Finance (NBFC)
Finnable (Fintech NBFC)
Fusion Finance Pvt Ltd (NBFC)
ICICI Bank (Bank)
IndusInd Bank (Bank)
Kotak Mahindra Bank (Bank)
Piramal Finance (NBFC)
Poonawala Fincorp (NBFC)
Prefr (Fintech NBFC)
Tata Capital (NBFC)
Utkarsh Small Finance Bank (Bank)
Yes Bank (Bank)
100% RBI Regulated Entities
Direct Login & Fast Approvals
Secure & Paperless Documentation
Pan India Distribution
Got Questions?

Frequently Asked Questions

Common queries regarding working capital limits and capex financing

MPBF is calculated using the Tandon / Nayak committee norms based on your projected annual turnover, operating cycle, holding period of raw materials, work-in-progress, finished goods, and receivables. Typically, banks fund up to 20% to 25% of annual turnover as working capital limits.

Fund-based facilities (Cash Credit, Overdraft, Term Loans) involve actual outflow of money from the bank to the borrower. Non-fund based facilities (Bank Guarantee, Letter of Credit) are commitments where the bank backs the borrower's obligation without immediate cash outflow, converting to fund-based only in event of default.

Yes! Greenfield projects are funded on the basis of Techno-Economic Viability (TEV) reports, promoter net worth, equity contribution (typically 25% to 35%), and projected cash flow debt servicing capability (DSCR), supported by industrial land or collateral security.

Primary security consists of hypothecation of current assets (stock, raw materials, book debts) or project assets funded. Collateral security usually includes commercial, industrial, or residential properties, or CGTMSE guarantee cover for eligible MSME loans up to ₹5 Crores.

Scale Your Business with Structured Working Capital

Connect with our corporate finance desk for a free feasibility assessment and competitive bank quotes.

Request Corporate Assessment