What is a Working Capital OD / DOD / CC?
Working Capital OD (Overdraft), DOD (Drop Line Overdraft), and CC (Cash Credit) are short-term financial instruments designed to help businesses meet their day-to-day operational expenses. These facilities ensure that a company has access to immediate funds to cover payments like salaries, raw materials, inventory, and utility bills without disrupting its cash flow.
Unlike term loans, where repayment happens in fixed EMIs, working capital facilities function as revolving credit; you can withdraw funds up to a pre-approved limit and pay interest only on the amount utilized. This flexibility allows businesses to manage liquidity efficiently and seize growth opportunities even during cash crunches.
Why Choose Real FinVista for Your Working Capital OD / DOD / CC?
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Expert Financial Guidance
With 8+ years of experience in banking and finance consultancy, Real FinVista helps you choose the most suitable working capital structure based on your business model and cash flow cycle.
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Wide Network of Banking Partners
We collaborate with leading banks and NBFCs to secure the best possible overdraft, DOD, or CC facilities ensuring competitive interest rates and faster approvals.
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Quick & Hassle-Free Processing
Our expert team handles all documentation and financial evaluation, making the entire process smooth, transparent, and time-bound.
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Customized Solutions for Every Business
From MSMEs to large enterprises, we understand that every business has unique financial needs. We tailor your working capital solution accordingly whether it’s seasonal demand or long-term operations.
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End-to-End Support
Right from application to disbursement and renewal, Real FinVista stays with you at every stage ensuring clarity, compliance, and complete peace of mind.
FAQs - Frequently Asked Questions
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What is the difference between OD, DOD, and CC?
OD and DOD are overdraft facilities allowing flexible withdrawals up to a limit, while CC is a revolving credit facility generally used to finance working capital needs like inventory or receivables.
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How is interest charged in a Working Capital OD or CC account?
Interest is charged only on the amount you utilize, not the entire sanctioned limit, making it a cost-effective option for managing cash flow.
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What documents are required to apply for a Working Capital facility?
Basic KYC documents, business registration, bank statements, financial statements, and GST returns are generally required. Real FinVista assists in compiling and submitting these efficiently.
