+91-999-163-4766
Become a Partner Login Register

Best Cash Credit Loans in India

Power your business with LoanPao’s flexible Cash Credit Loans starting at 8.5% p.a., up to ₹5 Crore limits, and 24-hour approvals.

Apply Now

About Cash Credit Loans in India

A Cash Credit Loan is a flexible, short-term financing for businesses to manage working capital. Withdraw up to sanctioned limit, pay interest on used amount. Cash Credit Loans are essential for liquidity. LoanPao partners with 250+ RBI-compliant lenders for rates from 8.5% p.a., quick approvals, digital process.

Key Features of Cash Credit Loans

  • Credit Limit: Up to ₹5 Crore based on turnover/credit.
  • Interest Rates: 8.5% p.a. on utilized amount.
  • Flexibility: Withdraw/repay as needed.
  • Collateral: Stock, receivables, property.
  • Digital Process: Online e-KYC, instant approvals.

LoanPao’s Cash Credit Loans help startups/established firms meet expenses, growth opportunities, cash flow. Apply today!

Cash Credit Loan Interest Rates

Compare rates from top lenders, starting 8.5% p.a. Vary on profile, score, collateral.

Lender Interest Rate (p.a.) Processing Fee
State Bank of India 8.5%–10.0% 0.5%–1.5%
HDFC Bank 9.0%–11.5% Up to 1%
Axis Bank 8.75%–10.75% 0.5%–2%
Bajaj Finserv 9.25%–12.0% Up to 1.5%

Loan Comparison Tool

Use Loan Comparison Tool for real-time rates, limits, fees from 250+ lenders. Enter details for best deal.

Compare Now

Why Choose LoanPao?

LoanPao offers tailored Cash Credit Loans with transparent terms, 24/7 support, 250+ trusted lenders, RBI/IRDAI compliance.

Low Rates

Starting at 8.5% p.a.

Fast Approvals

Within 24 hours, minimal paperwork.

Trusted Lenders

250+ banks/NBFCs.

Eligibility Criteria

Qualify for LoanPao Cash Credit Loan:

  • Business Age: 2+ years
  • Turnover: ₹5 Lakh p.a. min
  • Credit Score: 650+ for better rates
  • Collateral: Stock, receivables, property
  • Tip: Strong financials improve limits/rates.
Check Eligibility

Application Process

Apply in 5 steps:

  1. Submit online application.
  2. Provide business/financial/collateral details.
  3. Get pre-approved offers.
  4. Complete verification.
  5. Access funds in days.
Apply Now

Market Insights

RBI policies (repo 5.50%) lower Cash Credit rates, boost MSME growth 15%. Read blog.

Testimonials

“LoanPao’s cash credit loan helped my business manage cash flow effortlessly. Approved in 24 hours!”

Vikram Singh, Bengaluru

“Their comparison tool saved me ₹1.5 lakh in interest. Highly recommend LoanPao!”

Priya Sharma, Mumbai

Frequently Asked Questions

A cash credit loan is a flexible short-term loan for businesses to manage working capital, allowing withdrawals up to a sanctioned limit.

Interest rates start at 8.5% p.a., varying based on credit profile and lender policies.

Businesses with 2+ years of operations, ₹5 lakh turnover, and a credit score of 650+ are eligible.

A cash credit loan offers flexible withdrawals up to a limit with interest on the utilized amount, while a term loan provides a lump sum with fixed repayments.