Sg Pay 4u

Overview

Flexible Financing Mapped To Your Needs

Manage daily operating costs, trade payables, and inventory shortages with customized overdrafts and cash credit lines.

Key Features

Overdraft (OD) / Cash Credit (CC) structures
Interest charged only on the utilized credit balance
Flexible limits based on receivable turnovers
Repay and withdraw multiple times within limit

Product Benefits

Seamless business operations and liquidity management
Optimized interest payments based on cash cycle fluctuations
Quick seasonal stocks purchasing capability
Dedicated relationship manager support

Eligibility & Documentation Checklist

Eligibility Criteria

Business vintage of at least 3 years
Audited financial accounts for last 2 fiscal cycles
Healthy debt-to-equity ratio
Regular cash receipts and payments cycles

Documents Required

Partnership deed/MOA & Articles of association
Stock and debtors statement checklist
Last 12 months bank current account statement
GST returns & audited tax filings

Interest Rate

10.00% - 14.50% p.a. (on daily utilization)

Processing Time

5 to 7 Working Days

EMI Benchmark

For ₹20,00,000 cash credit utilization at 11% for 15 days, the interest payable is ₹9,041.

Frequently Asked Questions

It is determined based on your working capital gap, inventory levels, accounts receivable ledger, and annual sales volume.

Yes, working capital limits are reviewed and renewed annually based on credit performance.

Apply for Working Capital Loan

Submit your basic details, and our loans expert will contact you within 24 hours.

Apply via Choice Connect

Complete your working capital loan application securely. If you opened a referral link, the referring agent or team member is attributed automatically.

PLOT NO 112/39, SECTOR 11, PRATAP NAGAR, SANGANER, JAIPUR, RAJASTHAN 302033

+91-9887199532

info@sgpay4u.com

Working Capital Loan