Power your business with a smart CC Limit facility

CC Limit (Cash Credit Limit) is a short-term working capital loan facility provided mainly to businesses, allowing them to withdraw money as per requirement up to a pre-approved limit. In simple words, it is a business credit line to manage daily expenses like salary, stock, rent, and supplier payments.

Calculate CC Cost See Business Uses
Interest only on utilized amount
Revolving facility for working capital
Supports inventory and supplier payments
Designed for day-to-day business operations
Zen G Finance CC Service

Tailored cash credit solutions for business continuity

At Zen G Finance, we provide tailored Cash Credit (CC) Limit solutions to help businesses maintain smooth operations and strong cash flow. Our CC facility enables you to access funds instantly for your working capital needs, with flexible withdrawals and interest charged only on the utilized amount.

Business advantage
Use, repay, reuse
Target usersBusinesses
Account linkUsually current account
PurposeWorking capital support
Working Capital
Daily Operations
₹10L+Sample sanctioned business limit
12 MonthsCommon short-term cycle, renewable
Only UsageInterest on utilized amount
High FlexibilityWithdraw and repay multiple times
How CC Works

A revolving business credit line for everyday working capital needs

Bank sanctions a fixed credit limit, the business can withdraw anytime as needed, and interest is charged only on the used amount, not the full limit.

How CC Limit works

  • Bank sanctions a fixed credit limit, for example ₹10 lakh.
  • Business can withdraw funds anytime based on requirement.
  • Interest is charged only on the utilized amount, not on the full sanctioned limit.
  • Funds can be withdrawn and repaid multiple times because it is a revolving facility.
  • Usually linked with a current account for operational convenience.

Simple example

If your CC limit is ₹10,00,000 and you use ₹3,00,000, then interest applies only on ₹3,00,000.

  • Useful for stock purchase and inventory movement
  • Helps with supplier and salary payments
  • Supports growth during seasonal demand spikes
Where CC Is Used

Built for real business operations

CC Limit is mainly designed to support day-to-day business operations and short-term cash flow management.

Raw Material Purchase

Useful for buying stock, raw materials, and maintaining uninterrupted production flow.

Salary & Operations

Supports salary payouts, rent, utility bills, and everyday operational expenses.

Inventory Management

Helps businesses stock up on products at the right time without cash shortages.

Supplier Payments

Enables faster and smoother supplier payments, reducing working capital stress.

Seasonal Demand

Useful for managing temporary demand surges and seasonal business cycles.

Business Continuity

Acts as a financial cushion to avoid disruptions and maintain smooth business functioning.

Features & Benefits

A flexible and cost-effective short-term facility

Key features of CC Limit

  • Revolving credit facility — use, repay, and reuse
  • Interest only on utilized amount
  • Flexible withdrawals anytime
  • Short-term facility, generally 12 months and renewable
  • Usually secured against stock, receivables, or property/collateral

Benefits of CC Limit

  • Improves cash flow management
  • Ensures business continuity
  • Helps avoid financial shortages
  • Cost-effective compared to full loan because you pay only for usage
  • Supports business growth and expansion
Important Points

Things businesses should know before applying

Eligibility

Limit basis

CC limit depends on business turnover, stock levels, receivables, and overall credit profile.

Security

Collateral requirement

In most cases, CC limit requires collateral or security such as stock, receivables, or property.

Renewal

Annual review

Cash credit generally needs annual renewal based on performance, documentation, and utilization review.

Drawing Power

Utilization control

Bank may set drawing power limits depending on the value of stock and receivables available.

CC vs OD

Simple difference between CC Limit and OD Limit

Feature CC Limit OD Limit
Target Users Businesses Individuals & businesses
Basis Stock / receivables Salary / property / FD
Purpose Working capital General financial needs
Account Type Current account Savings / current
Flexibility High High
CC Calculator

Estimate interest on the utilized CC amount only

This calculator is made only for CC Limit. It estimates interest on the amount actually used from your cash credit facility over the selected number of days.

CC Interest Calculator
Adjust the sliders to estimate the short-term interest cost on your utilized CC amount.
CC Limit ₹10,00,000
Amount Used ₹3,00,000
Annual Interest Rate 13%
Days Used 30 days
Unused Limit ₹7,00,000
Daily Rate 0.0356%
Usage Period 30 Days
CC Cost Estimate
Estimated Interest
₹3,205
Approximate interest on the utilized cash credit amount for the selected number of days.
Amount Used
₹3,00,000
Interest Rate
13% p.a.
Days Used
30
Total Payable
₹3,03,205
Note: This is an indicative CC interest calculator. Actual charges may vary depending on lender policy, drawing power limits, collateral value, renewal terms, and other banking conditions.

Need stronger working capital support for your business?

Whether it is managing inventory, paying suppliers, or handling daily operations, Zen G Finance helps you access business-focused CC Limit solutions with flexibility and confidence.

PurposeWorking capital
Interest charged onUtilized amount only
Facility typeRevolving
Best suited forBusiness operations