Cash Credit Finance Advisory.
A cash credit facility is a revolving limit secured against stock and receivables, drawn and repaid as the operating cycle turns — the workhorse facility for most working capital needs.
Revolving Limit · Stock & Receivables Security · Drawing Power
Where This Applies
- Day-to-day working capital needs a revolving facility rather than a fixed-term loan.
- Stock and receivables form the primary security for the facility.
- Drawing power needs to be calculated against actual, current stock and receivables statements.
- Margin requirements and limit size need to reflect the business's real operating cycle.
How We Approach It
We examine stock and receivables patterns to determine realistic drawing power, then structure the cash credit limit and margin requirements so the facility tracks the business's actual cycle rather than a static sanctioned number.
Why EquiFin
- Independent advisory — we structure and negotiate, we do not lend ourselves.
- 60+ active lender relationships across PSU banks, private banks, NBFCs and private credit funds.
- One point of contact from structuring through to disbursement.
Frequently Asked Questions
What is a cash credit facility?
A cash credit facility is a revolving working capital limit secured against stock and receivables, drawn and repaid as the business's operating cycle turns.
How is drawing power calculated for cash credit?
Drawing power is calculated against current stock and receivables statements, less the applicable margin, and is reassessed periodically.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
A Revolving Limit Sized to How the Business Actually Cycles Cash.
We structure drawing power and limits against real stock and receivables data.
Discuss a Cash Credit Facility