Working Capital Limits Advisory.
Working capital limits — fund-based and non-fund-based together — need periodic review as a business grows, so the sanctioned quantum keeps pace with genuine operating requirements.
Limit Enhancement · Fund & Non-Fund Based Limits · Renewal Structuring
Where This Applies
- Sanctioned limits haven't kept pace with the business's current scale of operations.
- A mix of fund-based and non-fund-based limits needs to be reviewed together, not in isolation.
- Annual renewal is approaching and it's a natural point to reassess the full limit structure.
- Multiple lenders' limits need to be coordinated rather than negotiated one at a time.
How We Approach It
We review the current limit mix — cash credit, overdraft, bank guarantees, letters of credit — against present-day turnover and operating cycle, then structure a renewal or enhancement proposal lenders can underwrite quickly.
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 are working capital limits?
Working capital limits are the sanctioned fund-based (cash credit, overdraft) and non-fund-based (bank guarantee, letter of credit) facilities a lender approves for a business's operating needs.
How often should working capital limits be reviewed?
Limits are typically reviewed annually at renewal, but should also be reassessed whenever the business's scale or operating cycle changes materially.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
Limits Should Track the Business, Not Lag It.
We reassess and restructure limits as operating needs evolve.
Discuss Your Working Capital Limits