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Get a revolving credit line to manage cash flow gaps, vendor payments, salaries, and day-to-day expenses — withdraw, repay, and reuse funds as needed.
A Business Overdraft Loan is a flexible credit facility that helps businesses access extra funds whenever needed. Instead of taking a fixed business loan amount, you can withdraw money beyond your current account balance up to a pre-approved overdraft limit. The best part is that you pay interest only on the amount you actually use and only for the number of days you use it.
A business overdraft facility is ideal for managing day-to-day cash flow, working capital needs, supplier payments, salary payouts, and unexpected business expenses. Unlike traditional business loans, there’s no need to borrow a lump sum all at once. You can withdraw funds, repay them, and use the limit again as required, giving your business complete financial flexibility and better cash flow control.
A Business Overdraft Loan gives your business instant access to extra funds whenever required — here are the key features you should know.
A flexible credit facility that gives your business access to extra funds whenever needed.
Get a business overdraft from ₹1 lakh to ₹1 crore, based on your business turnover and eligibility.
Business overdraft interest rates start from 9.5% per annum, making it a cost-effective funding option.
Choose a repayment tenure from 12 to 36 months with renewal options as per lender terms.
Both secured and unsecured business overdraft loans are available based on your eligibility.
Repay the amount you use at your convenience within the approved tenure for better cash flow management.
Minimal documentation, no collateral. Approval based on your business profile.
Fully digital, zero branch visits. Apply online and get your overdraft limit activated fast.
Submit your basic business and contact details online in minutes.
Our dedicated RM will call you and suggest the best business overdraft offer.
Application forwarded to lender for quick credit assessment.
Overdraft limit approved and ready to use — withdraw funds anytime as needed.
Interest is charged only on the amount you draw, not the full limit. Estimate your monthly cost here.
* Indicative only. Actual interest may vary by lender. Only drawn amount attracts interest.
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Check My Credit ScoreChoosing the right provider is not just about interest rates. A smooth process, reliable support, and transparent terms make all the difference.
Apply With KreditSevaChoose a provider with an easy digital journey — quick document submission and faster processing.
Good support helps when you need assistance with documents, repayments, or application queries.
Check customer reviews, service quality, and trust signals before choosing an overdraft provider.
Ensure the facility allows you to withdraw, repay, and reuse the limit without reapplying.
Confirm interest is charged only on the drawn amount — not the full approved overdraft limit.
Compare all charges upfront — processing fee, renewal fee, and prepayment terms before signing.
Best business overdraft rate from every top bank & NBFC — in seconds, for free.
Interest charged only on the amount you use — not on the full approved overdraft limit.
Your personal RM guides you from eligibility check to final overdraft approval.
Fully transparent — know all costs before you sign, no surprises ever.
Quick approval process — access your overdraft limit within 24 hours of approval.
Withdraw, repay, and use again — your overdraft limit revolves for complete flexibility.
Find answers to common questions about Business Overdraft Loans, eligibility, documents, and repayment.
Talk to Our ExpertA Business Overdraft Loan is a flexible credit facility that allows businesses to access extra funds beyond their current account balance up to an approved limit. You pay interest only on the amount you use, making it a smart option for managing cash flow and urgent business expenses.
Business overdraft interest rates depend on your business profile, credit history, and lender eligibility. Rates generally start at competitive annual interest rates from 9.5% p.a. onwards.
Business overdraft facilities are available in both secured and unsecured options, depending on the loan amount, eligibility, and lender requirements.
Once your Business Overdraft Loan is approved, funds are usually made available within 24 hours, depending on lender verification and document completion.
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