Business Loan Overdraft Facility
Enjoy flexible funding for your business with an overdraft facility that lets you withdraw money anytime and pay interest only on the amount used. Ziofy Finsol helps you secure the best overdraft limits from top banks and NBFCs.
Apply for OverdraftRevolving Credit
Withdraw and repay multiple times within your approved limit.
Pay As You Use
Interest charged only on the amount utilized, not full limit.
Working Capital Support
Ideal for managing daily operational expenses.
Quick Accessibility
Funds available instantly whenever your business needs.
What is a Business Loan Overdraft?
A Business Loan Overdraft is a flexible credit facility that allows you to withdraw funds up to a pre-approved limit whenever required. Unlike a term loan, you pay interest only on the amount you use, making it a cost-effective solution for managing cash flow, inventory purchases, salary payments, and other working Capital Needs
How Overdraft Facility Works
Apply for Credit Limit
Submit your business and financial details to get an approved overdraft limit.
Get Account Activated
An overdraft account is linked to your current account for instant access.
Withdraw as Needed
Use funds anytime within your limit to meet working capital needs.
Pay Interest on Usage
Interest is charged only on the utilized amount, not the full limit.
Repay & Reuse
Repay anytime and reuse the available limit again without reapplying.
Limit Enhancement
Increase your overdraft limit as your business turnover grows.
Annual Review
Periodic review of your account for better terms and renewal.
Continue Flexible Usage
Enjoy uninterrupted access to funds for smooth business operations.
Eligibility & Required Documents
Business Vintage
Minimum 2–3 years of business operations with stable turnover.
Financial Statements
Last 2–3 years ITR, balance sheet, and profit & loss statements.
KYC Documents
PAN, Aadhaar, business registration and address proof.
Bank Statements
Latest 6–12 months current account bank statements.
Turnover Proof
GST returns or sales reports to assess business performance.
Ownership Proof
Partnership deed, MOA/AOA or proprietorship declaration.
Apply For A Loan
Submit Your Application
Click below to send your details on WhatsApp.
Apply For A Loan
Why Choose Ziofy Finsol for Overdraft?
Best Interest Rates
We negotiate with top banks and NBFCs to secure the lowest possible rates.
High Credit Limits
Get higher overdraft limits based on your business turnover.
Fast Approvals
Quick sanction and minimal documentation process.
Multiple Lender Options
Compare and choose from leading banks and NBFCs.
Flexible Renewal
Easy annual renewal with better terms.
Dedicated Support
Personal relationship manager for end-to-end assistance.
Why Choose Ziofy Finsol for Overdraft?
Best Interest Rates
We negotiate with top banks and NBFCs to secure the lowest possible rates.
High Credit Limits
Get higher overdraft limits based on your business turnover.
Fast Approvals
Quick sanction and minimal documentation process.
Multiple Lender Options
Compare and choose from leading banks and NBFCs.
Flexible Renewal
Easy annual renewal with better terms.
Dedicated Support
Personal relationship manager for end-to-end assistance.
