A CC Limit from Bank of Baroda or PNB costs roughly half what most businesses currently pay. We arrange it. We negotiate it. You save — from day one.
No fixed EMI — pay interest only on what you draw
~9–10.15% ROI vs 18–24% NBFC rates
PSU banks only — Bank of Baroda, PNB, Canara, PSB
Zero upfront fee — success-based advisory only
* Subject to credit assessment. ROI as per bank terms. Success-based fee payable only on sanction.
₹500Cr+CC Limits Sanctioned
4PSU Banks
200+Businesses Served
4–8 WksAvg Sanction
Free Consultation
15 minutes · No paperwork · No commitment
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Business loan from a bank
NBFC working capital facility
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Bank of BarodaPunjab National BankCanara BankPunjab & Sind Bank
100% free. No paperwork. Zero upfront fee. Success-based only.
Does this sound familiar?
You're paying more than you should.
01
Paying interest on money you haven't spent yet.
Business loan or NBFC charges interest on the full amount — used or not. Fixed EMI every month, regardless of cash flow.
02
Your NBFC is charging 18–24% per year.
Most unsecured working capital loans carry rates between 18% and 24.9% — nearly double a PSU bank CC Limit.
03
Nobody told you a better option existed.
Your bank's RM recommends their target. Your CA focuses on compliance. Expert Capital fills the gap nobody else does.
We don't sell loans. We don't work for banks. We work for you.
CC Limit vs Business Loan
A fundamentally different product.
A Cash Credit (CC) Limit is a revolving working capital facility from a PSU bank. You are only charged interest on what you actually draw. No fixed EMI. ~9–10.5% per year.
Expert Capital arranges CC Limits from Bank of Baroda, PNB, Canara Bank, Punjab & Sind Bank exclusively. Not NBFCs.
No fixed EMI~9–10.5% ROIPSU banks onlyDraw, repay, redraw
Parameter
Business Loan / NBFC
CC Limit via Expert Capital
Interest charged on
Full amount always
Only what you draw
Monthly EMI
Fixed — every month
No fixed EMI
Interest rate
14–24% p.a.
~9–10.15% p.a.
Repayment
Fixed schedule
Draw. Repay. Redraw.
Bank type
NBFC / private bank
PSU bank — RBI regulated
Working Capital EMI Calculator
See exactly how much you save by switching.
Move the sliders. Live comparison of your current loan cost vs a CC Limit from a PSU bank.
Loan / Working Capital Amount₹1.00 CroreCurrent Interest Rate (NBFC / Business Loan)18% per annumLoan Tenure36 monthsCC Limit — PSU Bank Rate10% per annum
Your Monthly Comparison
Your current EMI (Business Loan)
₹3,615
per ₹1 Lakh borrowed · fixed every month
Current loan monthly outflow₹3,61,500
CC Limit monthly interest (75% utilisation)₹56,250
Monthly saving with CC Limit₹3,05,250
Annual saving if you switch today
₹36,63,000
Based on 75% average CC Limit utilisation
* CC Limit based on 75% average utilisation. Actual savings depend on utilisation, bank rate, and sanctioned amount.
Real Sanctions. Real Banks.
Not claims. Evidence.
Every CC Limit backed by a real, stamped, bank-issued sanction letter.
SANCTIONED
Bank of Baroda — SME Branch, New Delhi
₹35 Cr
Cash Credit · Infrastructure Company South Delhi · January 2026
ROI: ~10.15% p.a.
SANCTIONED
Punjab National Bank — East Delhi
₹2.85 Cr
Cash Credit Hypo · Trading Business Gandhi Nagar, East Delhi · September 2025
* Client names and account numbers redacted for privacy.
Before & After
Real businesses. Real numbers.
TradingGandhi Nagar, East Delhi
Before
₹1.70 Cr loan @ 16% ROI. Fixed EMI.
After
₹2.85 Cr CC Limit @ 9.25% via PNB.
"Nobody at our bank had suggested this. Expert Capital made it straightforward."
ManufacturingHapur, Uttar Pradesh
Before
Multiple high-interest loans from HDFC Finance.
After
₹4.58 Cr via Punjab & Sind Bank @ 8.75%.
"This wasn't something we thought possible for a business our size."
InfrastructureNehru Place, South Delhi
Before
Multiple banking relationships. No consolidated facility.
After
₹70 Cr (CC + BG) via Bank of Baroda @ ~10.15%.
"Shows what PSU banks sanction when the case is properly presented."
Video Testimonials
Hear it directly from our clients.
Real business owners. Real voices. Real results.
1:24
RJ
Rajesh JainTrading, East Delhi
₹2.85 Cr ✓
"Business loan tha — 16% ROI, fixed EMI. Expert Capital ne CC Limit dilvayi PNB se — 9.25% mein. Monthly outflow 1/3 ho gayi."
₹2.85CrCC Limit
9.25%via PNB
6 WksSanction
1:52
NG
Nishant GuptaPlastics Mfg., Hapur
₹4.58 Cr ✓
"Hapur mein koi batata nahi tha. Expert Capital ne Punjab & Sind Bank se CC + TL arrange kiya — 8.75% pe. Game changer tha."
₹4.58CrTotal
8.75%via PSB
8 WksSanction
2:08
SK
Sunil KumarInfrastructure, S. Delhi
₹70 Cr ✓
"₹70 Crore CC + BG — Bank of Baroda se — 10.15% ROI. Jab case sahi se present ho, PSU banks itna bhi sanction karte hain."
₹70CrTotal
10.15%via BOB
7 WksSanction
Written Reviews
"I didn't know this option existed. Expert Capital completely changed how I think about financing my working capital."
Business Owner — Delhi NCR
Infrastructure · ₹35 Crore CC Limit
Sanctioned ✓
"The savings were immediate. Nobody at my bank had ever suggested CC Limit. Expert Capital negotiated everything with PNB on my behalf."
Rajesh Jain — Trading Business
Gandhi Nagar, East Delhi · ₹2.85 Crore
Sanctioned ✓
"PSU bank financing at ₹4.58 Crore wasn't possible in Hapur — we thought. Expert Capital arranged it with Punjab & Sind Bank at 8.75%."
Nishant Gupta — Plastics Manufacturer
Hapur, UP · ₹4.58 Crore
Sanctioned ✓
Empanelled With. Trusted By.
We are not a lender. We are an advisor — empanelled with PSU banks, working exclusively on behalf of the businesses we represent.
Bank of Baroda
Punjab National Bank
Canara Bank
Punjab & Sind Bank
₹500Cr+Total CC Limits & Loans Arranged
4PSU Banks — RBI Regulated
200+Businesses Served
5+Industries Served
FAQ
You ask, we answer.
Everything you need before your first conversation.
Still have questions?
Our team responds within 2 business hours. Free — no paperwork at this stage.
A CC Limit is a revolving working capital facility from a PSU bank. You are only charged interest on the amount you actually draw. No fixed EMI. Rates typically 9–10.5% per year — compared to 14–24% on business loans or NBFCs.
No. Expert Capital is an independent advisory firm. We work on your behalf — assessing your business and negotiating with PSU banks to arrange the best possible CC Limit.
A success-based advisory fee — payable only when your CC Limit is sanctioned. Zero upfront. Zero if we don't deliver. Discussed transparently during consultation.
From consultation to bank sanction: typically 4–8 weeks. We manage the entire process and keep you updated at every step.
Generally ₹5 Crore+ annual turnover for a PSU bank CC Limit to be viable. The free consultation gives you an honest view of your specific eligibility.
CIBIL is one factor, not the only one. PSU banks look at turnover, stock, book debts, banking relationships, and business vintage. The consultation will give you an honest picture.
Expert Capital currently focuses on businesses in Delhi NCR — Delhi, Noida, Gurgaon, Ghaziabad — and surrounding areas including Hapur, Meerut, and Faridabad.
One Conversation. Complete Clarity.
A free 15-minute consultation is all it takes. Honest assessment of whether a CC Limit makes sense for your business.
100% free — no paperwork at this stage
Zero upfront fee — success-based only on sanction
Response within 2 business hours
Bank of Baroda, PNB, Canara Bank, Punjab & Sind Bank
Let's find out if a CC Limit is right for you.
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* Success-based fee — payable only on sanction. No upfront charges.