At Rishabh S K Jain & Associates, we provide professional Cash Credit (CC) consultancy and documentation services for businesses seeking working capital finance from banks and financial institutions. 

Cash Credit is one of the most commonly used working capital financing facilities that helps businesses manage day-to-day operational expenses such as purchase of stock, payment to suppliers, salaries, operating costs, and other short-term business requirements. 

Our services are designed to help businesses obtain, renew, and manage CC limits smoothly through proper financial planning, CMA data preparation, and professional documentation support. 

WHAT IS CASH CREDIT (CC)? 

Cash Credit is a short-term working capital loan facility provided by banks against stock, receivables, or collateral security. Businesses can withdraw funds as per operational requirements within the sanctioned limit and pay interest only on the utilized amount. 

CC limits help businesses maintain smooth cash flow and operational stability without interrupting daily business activities. 

OUR CASH CREDIT CONSULTANCY SERVICES 

• New Cash Credit Limit Proposal 

Preparation of complete documentation and financial reports for obtaining new CC facilities from banks. 

• Enhancement of Existing CC Limit 

Support for increasing existing working capital limits based on business growth and turnover expansion. 

• Renewal of Cash Credit Limits 

Assistance in annual renewal and submission of required financial documents and compliance reports. 

CMA Data Preparation 

Preparation of bank-oriented CMA reports including: 

• Projected Balance Sheets 

• Profit & Loss Statements 

• Cash Flow Statements 

• Fund Flow Statements 

• Ratio Analysis 

• MPBF Calculation 

• Working Capital Assessment 
  

Financial Analysis & Documentation 

• Business Financial Analysis 

• Turnover Assessment 

• Stock & Debtor Analysis 

• Banking Ratio Review 

• Repayment Capacity Evaluation 
  

Documents Required for CC Limit 

Business Documents 

• PAN Card & Aadhaar 

• GST Registration 

• Udyam Registration 

• Partnership Deed / MOA & AOA 

• Business Registration Certificates 

Financial Documents 

• Last 2–3 Years Financial Statements 

• Income Tax Returns 

• GST Returns 

• Bank Statements (6–12 Months) 

• Existing Loan Statements 

• Debtor & Creditor Lists 

• Stock Statements 

Security & Loan Documents 

• Property Documents (if applicable) 

• Machinery Details 

• Existing Facility Details 

• Net Worth Statement 

WHAT BANKS LOOK FOR BEFORE SANCTIONING CC LIMIT 

Banks generally evaluate: 

• Business Turnover & Stability - Consistent sales and stable business operations. 

• Working Capital Requirement - Actual need for operational finance based on stock and receivables. 

• Banking Conduct - Regular transactions and proper banking discipline. 

• Financial Performance - Profitability, liquidity, and repayment capability. 

• Stock & Debtor Position - Assessment of inventory and outstanding receivables. 

• Creditworthiness - Credit history and repayment record of the borrower. 

BENEFITS OF CASH CREDIT FACILITY 

• Smooth working capital management 

• Better liquidity for daily operations 

• Interest charged only on utilized amount 

• Flexible withdrawal facility 

• Improved business continuity and growth support 

WHY CHOOSE US 

• Professionally prepared bank-oriented reports 

• Accurate CMA data and financial projections 

• End-to-end documentation support 

• Customized solutions for businesses across industries 

“Efficient working capital management through proper Cash Credit planning helps businesses maintain financial stability, operational continuity, and sustainable growth.”