GOLDENLEAF FINCO

सुरक्षित आज, समृद्ध कल

Professional & Trusted Loan Consultancy in India

Working capital for business cash flow

Overdraft, cash credit, and working capital support for business owners who need liquidity for stock, receivables, or seasonal demand.

Check OD/CC Eligibility WhatsApp Advisor Share Your Experience

10+ Years Experience
Multiple Banking Partners
Transparent Process
Zero Consultation Fees*

Quick Eligibility Check

Check Working Capital Eligibility

Tell us your business liquidity requirement.

Basic Information

Let's start with a few basic details.

Transparent Guidance

Clear information before you decide

Eligibility First

Understand your profile before applying

Personal Assistance

Human support through every next step

Multiple Lending Options

Options considered for your requirements

Smart planning tool

OD / CC + Working Capital EMI Calculator

Plan an indicative working-capital repayment scenario with universal calculator ranges. Product ranges and rates are indicative and centrally configurable.

Principal₹50,00,000

₹

Min principal: ₹50,000Max principal: ₹10,00,00,000

Annual Interest Rate / ROI11.5% p.a.

Min ROI: 5% p.a.Max ROI: 50% p.a.

Tenure

Tenure (months)12 months (1 year)

Min tenure: 12 months (1 year)Max tenure: 12 months (1 year)

OD/CC enquiries start at a ₹10 lakh required limit with annual turnover of ₹80 lakh or more. Existing-limit customers are reviewed only for enhancement, not a second separate fresh limit.

Estimated Monthly EMI

₹4,43,075

for 12 months (1 year)

Principal Amount

₹50,00,000

Monthly EMI

₹4,43,075

Total Interest

₹3,16,903

Total Payable Amount

₹53,16,903

EMI

Principal vs interest

Principal 94%

Interest 6%

EMI and interest calculations are indicative only. Final rate, eligibility, sanction and repayment terms depend on the applicant’s profile, lender policy and documentation.

Eligibility

Self Employed applicants only

Annual Turnover ₹80,00,000+

₹10,00,000+ minimum requirement

Existing limits are eligible for enhancement only

A second separate fresh limit is not offered

Benefits

Flexible business liquidity for daily operations

Support for stock funding and seasonal cash flow

Overdraft and cash credit options

Bank-fit guidance for working capital limits

Commonly Required Documents

KYC and business proof

Bank statements

GST/ITR or turnover documents if available

Stock, receivable, or collateral details if applicable

Process

Simple steps from enquiry to lender movement

Share business and cash flow requirement

Review banking, turnover, and security options

Match with OD, CC, or working capital lenders

Support documentation, approval, and limit setup

A Personal Commitment

Jay Kushwah

Founder & CEO - GoldenLeaf Finco

Financial guidance should protect your confidence, not create pressure.

GoldenLeaf is guided by a simple principle: understand the person and the requirement before discussing a loan option. Every conversation should bring more clarity, realistic expectations, and a dignified way forward.

That means transparent eligibility guidance, practical documentation support, and personal assistance as your case moves through the process.

Profile-first financial guidance

Personal support at every stage

Clear and realistic expectations

Talk to Jay

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FAQ

Answers before you apply

Ask on WhatsApp

What is OD/CC useful for?

OD and CC limits help businesses manage working capital, stock funding, and short-term cash flow gaps.

Is collateral always required?

Requirements vary by lender, profile, and limit size. Security can improve eligibility for larger limits.

Can seasonal businesses apply?

Yes. Seasonal cash flow can be reviewed with banking and business documents.