OD Limit Enhancement.
As turnover grows and the value of pledged security increases, an existing overdraft limit often falls behind the business's genuine requirement — enhancement brings the sanctioned limit back in line.
Limit Increase · Renewal & Enhancement · Updated Security Valuation
Where This Applies
- The existing OD limit no longer covers the business's actual short-term funding needs.
- Turnover has grown since the limit was last sanctioned or reviewed.
- The value of pledged security has increased and can support a higher limit.
- A clean repayment track record strengthens the case for enhancement without a full fresh review.
How We Approach It
We update the financial and security case — current turnover, updated property or deposit valuation, and repayment track record — to build a proposal lenders can approve without treating it as a fresh underwriting exercise.
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
When should I request an OD limit enhancement?
Typically when turnover has grown, security value has increased, or the existing limit no longer covers genuine short-term funding needs.
What does a lender need to approve an OD enhancement?
Updated financials, current security valuation, and a clean repayment track record on the existing facility typically support an enhancement request.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
Bring Your OD Limit Back in Line With the Business.
We build the case lenders need to approve an enhancement.
Discuss OD Limit Enhancement