Contractor Overdraft Facility Kochi

Overdraft Facility for Contractors

Overdraft facility is a flexible credit solution whereby contractors are allowed to withdraw beyond their current account balance, up to an approved limit. This creates a particularly important cushion in managing short-term cash flow gaps, covering project expenses, and maintaining seamless operations—particularly in the event of delayed payments or fluctuating workflows.

For contractors and project-driven businesses, access to a well-structured overdraft loan means seamless progress, timely procurement, and much easier working capital management. We offer consultancy expertise in securing and optimizing OD limits in tune with your project timelines, cash flow cycles, and financial obligations.

Our strategic guidance provides contractors with liquidity, allows them to meet deadlines confidently, and execute projects without financial disruption.

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.