For businesses that need ongoing cash-flow support — not a one-time loan. We help you understand whether Working Capital, OD or CC fits your business, and connect you with suitable lenders.
This is a more complex, consultative product — we recommend talking to our team rather than a self-serve application.
Takes under a minute. No documents needed right now.
OD/CC structures let you draw funds as needed, not all at once.
This is a more complex product — we walk you through it.
Across our 260+ lender network.
Different from a one-time term loan.
If your business has seasonal swings, receivables/inventory funding needs, or general day-to-day cash-flow gaps, a Working Capital, OD or CC facility may fit better than a one-time term loan.
This is a general framework — our team will walk you through what applies to your specific business.
Final checklist confirmed with you once a lender is shortlisted for your case.
A conversation first — this product needs context, not just a form.
We understand your cash-flow pattern and needs.
We identify suitable OD/CC/Working Capital options.
We support you through to facility setup.
OD vs CC vs Working Capital, explained simply.
Multiple facility structures compared.
Business finance situations of many kinds welcomed.
On-ground understanding of local business lending.
We compare suitable options for your case instead of relying on a single lender.
*260+ lender network is Rathi Finance's existing business claim. Actual lender availability for any specific case depends on product, borrower profile and geography.
Irregular cash flows, a declined application elsewhere, or a business that doesn't fit a standard template — we review these cases across our lender network.
We review each case on its merits across our lender network — we do not guarantee approval, and no case is promised a 100% outcome.
Discuss a Challenge Case →Both let you draw funds flexibly up to a limit rather than receiving a lump sum — the exact structure, security requirement and eligibility differ by lender; our team explains what applies to you.
This depends on the specific facility and lender — some are secured, some may not be; confirmed during your consultation.
A term Business Loan gives a lump sum repaid over a fixed schedule; Working Capital/OD/CC are designed for repeated, flexible drawdown against ongoing business needs.
Businesses with recurring cash-flow needs — inventory cycles, receivables gaps, or seasonal swings — rather than a single, one-time funding requirement.
Are you a DSA / connector? Partner with us →
WhatsApp us — sahi guidance, bina kisi charge ke.
💬 WhatsApp Us Talk to a Finance Advisor