Flexible capital.Smarter borrowing.
The Uncomfortable Truth
Why many businesses overpay for working capital ?
- Paying interest on full loan amount even when unused
- Using term loans for short-term needs
- Poor cash-flow alignment
- Lack of flexible credit structure
- Borrowing more than required
Use What You Need.
Pay Only for What You Use.
- We don’t recommend term loans for flexible needs
- We don’t oversize borrowing limits
- We don’t ignore cash-flow cycles
- We structure borrowing around business reality
OUR LAP OVERDRAFT FRAMEWORK
Business cash flow
Seasonality and variability
Working capital needs
Short-term vs ongoing requirements
Property value
Eligible collateral valuation
Credit profile
Financial strength and history
Utilisation pattern
Expected withdrawal behaviour
Interest efficiency
Cost vs usage optimisation
Tenure alignment
Short-term vs medium-term planning
Future scalability
Business growth and funding needs
KEY FEATURES & BENEFITS
▪ Credit limit up to ~60–70% of property value
▪ Withdraw funds anytime within limit
▪ Interest charged only on utilised amount
▪ Tenure up to 5–10 years (lender dependent)
▪ Suitable for working capital and urgent needs
▪ Better cash-flow management vs term loans
How should planning be structured?
A combination of protection + disciplined savings.
When should the plan be reviewed?
With income changes, new responsibilities, or rising costs.
KEY PLANNING QUESTIONS
Do you need full amount upfront?
If not, OD may be better.
Is your cash flow fluctuating?
Flexibility becomes critical.
Are you paying interest unnecessarily?
Unused loans increase cost.
Is property being used optimally?
Collateral should improve efficiency.
HOW LAP OVERDRAFT SHOULD BE STRUCTURED
Assessment
Understand business cash flows
Limit design
Determine appropriate OD limit
Lender comparison
Select best structure and rates
Execution
Documentation and sanction
Who This Is For ?
- Business owners with fluctuating cash flows
- SMEs managing working capital cycles
- Entrepreneurs needing flexible funding
- Businesses leveraging property efficiently
A STRUCTURED 5-STEP JOURNEY
Discussion
Understanding business needs
Recommendation
Choosing OD structure and lender
Guidance
Access to overdraft facility
Assessment
Evaluating eligibility and property
Execution
Documentation and approvals
ELIGIBILITY & DOCUMENTS
Eligibility:
▪ Business operational for 2–3 years
▪ Profitable track record
▪ Property ownership
Documents Required:
▪ KYC documents (PAN, Aadhaar, Passport)
▪ Address proof
▪ Property documents (title, tax receipts, approvals)
▪ Financials (P&L, Balance Sheet, ITRs)
▪ Business registration proof
INTEREST RATES & CHARGES
What to expect
▪ Interest Rate: Based on profile and property
▪ Processing Fee: Nominal
▪ Prepayment / Foreclosure: As per lender
▪ Legal & Technical Charges: Applicable
OUR IMPACT
Why families trust Paisa Nurture
1000+ families
CFP-led advice
Unbiased advice
Long-term advisory
Zero mis-selling
Stop paying for money you don’t use. Switch to flexible capital.
Discover the full spectrum of financial
services. More Than You Thought.
Better Than You Expected.
Quick Links
- We offer our services without charging separate advisory fees.
- Mutual Fund investments are subject to market risks.
- Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.