Term Loans / CC / OD Loans

At SS Industrial Consultancy, we provide complete assistance in securing Term Loans, Cash Credit (CC), and Overdraft (OD) facilities from banks and financial institutions. These are the most common funding options for entrepreneurs, MSMEs, and growing industries — and we make the process easy, compliant, and efficient.

1. Term Loans

Purpose:
Term loans are typically used for long-term capital investments, such as:

• Purchase of land or industrial plots

• Construction of factory buildings or infrastructure

• Acquisition of machinery and equipment

• Business expansion or modernization

• Setting up cold storage, food processing units, or agro-processing plants

Features:

• Fixed repayment tenure (5–10 years or as per project viability)

• EMI-based repayment or balloon repayment structures

• Eligible for government subsidies (MoFPI, NABARD, MSME, etc.)

2. Cash Credit (CC)

Purpose:
CC limits help businesses manage working capital needs, such as:

• Inventory purchase

• Payment to suppliers

• Short-term cash flow gaps

• Raw material and labor costs

Features:

• Drawing limit based on stock and receivables

• Interest charged only on the utilized amount

• Renewed annually based on business performance

3. Overdraft Facility (OD)

Purpose:
OD facilities allow businesses to withdraw funds above the actual balance in their current account for urgent requirements.

Use Cases:

• Emergency fund needs

• Short-term working capital gaps

• Bill payments or time-sensitive purchases

Features:

• Interest only on overdrawn amount

• Flexible usage within sanctioned limit

• No restrictions on usage like CC

Our Support Includes:

• Advising suitable loan type and quantum

• Preparation of bankable Project Report / CMA Data

• Financial projections and repayment structuring

• Documentation & application filing

• Follow-up and coordination with banks until sanction

• Support in subsidy-linked loan applications (PMFME, PMEGP, Stand-Up India)

Who Can Apply?

• Manufacturing Units

• Traders & Wholesalers

• Service Providers

• Startups & MSMEs

• Cold Storage & Agro Processing Units

Get Your Loan Sanctioned with Expert Help

Our team ensures your file is complete, professional, and bank-ready, reducing the chances of rejection or delay. Whether you’re applying for the first time or increasing your existing limits — we guide you at every step.

📞 Call: 9246822006
📧 Email: info@ssconsultancy.net