Proprietorship Business Cash Credit
A Cash Credit Route for Eligible Proprietorship Businesses
Explore Cash Credit facilities from ₹10 lakh to ₹10 crore for eligible proprietorship concerns seeking recurring working capital for trading, manufacturing or service activities. This specific financing route uses GST and banking-turnover evidence for preliminary assessment.
Key Funding Features
- Indicative Limit: ₹10 Lakh to ₹10 Crore
- Facility: Cash Credit
- Initial Assessment: Up to 25% of GST turnover or banking turnover, whichever is lower
- Tenure: One year, renewable annually
- Security: Applicable CGTMSE guarantee-backed structure
Funding Purpose
What This Funding May Support
- Inventory and business operating expenditure
- Recurring purchases and receivable cycles
- Eligible order-related and expansion-linked working capital
Preliminary Eligibility & Structure
Preliminary Eligibility & Assessment
- Individual / proprietorship concern; minimum two-year business vintage.
- Active current account for at least 12 months; last 12 months GST returns and minimum one year ITR.
- Generally at least 75% of GST turnover routed through the bank account under this specific flyer-based route.
- Udyam Registration required under the stated route; no active working capital facility with another bank/financial institution under that route.
- Business/banking conduct, credit history, financials and scheme eligibility remain subject to lender review.
Documents to Keep Ready
Documents to Keep Ready
- Proprietor PAN, identity/address proof and business registration/Udyam
- GST returns for last 12 months; available ITR and financials
- Current-account statements for last 12 months; credit report/CMR where available
- Business profile, sales and debtor/stock evidence, intended CC limit
Frequently Asked Questions
Is the ₹10 lakh–₹10 crore range available to all applicants?
No. It is the indicative range of the specific proprietorship financing route and remains subject to appraisal and applicable guarantee rules.
Can I apply without an existing working capital limit?
The stated route is designed for applicants meeting its specified existing-facility condition. Tell us about any existing limit so an appropriate route can be assessed.
Does this guarantee sanction in one day?
No. Review, approval and disbursement depend on the lender and complete documentation.
Conversion, SEO & Application
Discuss Your Proprietorship Business Cash Credit Requirement
Share your business or project details to start a preliminary funding assessment with Capital Yono.
Funding is subject to eligibility, appraisal, due diligence, approval and final terms from the relevant funding provider.