Project finance for real estate projects

An Overdraft Facility is a flexible credit line extended by a bank that allows a business to withdraw funds beyond its current account balance, up to an approved limit. For contractors, this facility is critical for managing short-term liquidity gaps, covering project expenses, and sustaining operations during payment delays.

We provide expert consultancy services to help contractors and project-based businesses secure and structure overdraft (OD) facilities tailored to their cash flow cycles and operational needs. Our specialized advisory ensures contractors maintain liquidity, manage working capital efficiently, and meet project deadlines without financial bottlenecks.

Our Overdraft Advisory Services Include

Eligibility & Financial Assessment

Evaluation of financial statements, ongoing projects, cash flow position, and banking history to determine OD eligibility and suitable limits.

Facility Structuring

Advisory on structuring the overdraft limit based on projected billing cycles, project receivables, and collateral availability. This includes both secured and unsecured OD options.

Bank Coordination & Application Support

End-to-end support in preparing the overdraft application, financial documentation, and business justifications required by banks.

Collateral & Security Advisory

Strategic guidance on securing the facility through fixed deposits, property, receivables, or third-party guarantees—based on your asset profile and risk appetite.

Monitoring & Renewal

Assistance with periodic reviews, renewals, and compliance to ensure uninterrupted access to the facility.