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. A single day's delay can damage your CIBIL and CMR rating permanently.
Does this sound familiar?
You're paying more
than you should.
02
Your NBFC or business loan is costing 18–24% per year.
Most NBFC and private bank business loans carry 18–24.9% per annum — nearly double a PSU bank CC Limit rate. At this rate, your interest cost can exceed your net profit margin — meaning you barely earn from your own business.
03
Nobody told you a better option existed.
Your bank's RM recommends their targets. Your CA focuses on compliance. Capital Expert fills the gap nobody else does.
We don't sell loans. We don't work for banks. We work for you.
Get Free AssessmentCC Limit vs Business Loan
CC Limit vs Business Loan —
a fundamentally different product.
A Cash Credit (CC) Limit is a revolving working capital facility from a PSU bank — a fundamentally different product from a business loan or NBFC finance. Interest only on what you draw. No fixed EMI. 7.5%–9.5% per year.
Capital Expert arranges CC Limits from SBI, Bank of Baroda, PNB, Canara Bank, Punjab & Sind Bank, Union Bank of India, SIDBI and other PSU banks — not NBFCs.
No fixed EMI7.5%–9.5% ROIPSU banks onlyDraw, repay, redraw
See your savings — EMI CalculatorParameter
Business Loan / NBFC
CC Limit via Capital Expert
Interest on
Full amount
Only what you draw
Monthly EMI
Fixed always
No fixed EMI
Interest rate
14–24% p.a.
7.5%–9.5% p.a.
Repayment
Fixed schedule
Draw. Repay. Redraw.
Bank type
NBFC / private
PSU · RBI regulated
Business Loan / NBFC
CC Limit
Interest charged on
Full amount always
Only drawn amount
Monthly EMI
Fixed — every month
No fixed EMI
Interest rate
14–24% p.a.
7.5%–9.5% p.a.
Repayment
Fixed schedule
Draw. Repay. Redraw.
Bank type
NBFC / private
PSU · RBI regulated
Working Capital EMI Calculator
See exactly how much
you save by switching.
Move the sliders. Live comparison — your current loan vs a PSU bank CC Limit.
Your Monthly Comparison
Your current EMI (Business Loan)
₹3,615
per ₹1 Lakh borrowed · fixed every month
Current monthly outflow₹3,61,524
CC Limit interest (75% utilisation)₹62,500
Monthly saving with CC Limit₹2,99,024
Annual saving if you switch today
₹35,88,287
Based on 75% average CC Limit utilisation
* Based on 75% average utilisation. Actual savings depend on utilisation, rate, and sanctioned amount.
CC Limit Sanctions. Real Banks.
Real CC Limit Sanctions. Not claims.
Every CC Limit backed by a real, stamped, bank-issued sanction letter — from banks you already trust.
SANCTIONED
Bank of Baroda — SME Branch, New Delhi
₹35 Cr + ₹35 Cr BG
ROI: ~10.15% p.a. (BRLLR + 2%)
Sanctioned January 2026 · Total Facility: ₹70 CroreSANCTIONED
Punjab National Bank — East Delhi
₹2.85 Cr
ROI: ~9.25% p.a.
Sanctioned September 2025 · Enhanced from ₹1.70 CrSANCTIONED — Largest in Portfolio — ₹170 Cr
Punjab National Bank — Large Corporate Branch, Noida
₹170 Cr
ROI: 9.80% p.a. (MCLR + 1.75% – 0.40% concession)
Sanctioned February 2026 · Borrower: M/s Suryakiran Info Pvt. Ltd.SANCTIONED
Punjab & Sind Bank — Hapur Branch
₹11.5 Cr
ROI: 8.75% p.a.
Sanctioned February 2026 · Total incl. TL: ₹11.5 Crore* Client names and account numbers redacted. Bank, amount, date and terms as per original bank-issued letters.
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. Capital Expert made it straightforward.”
ManufacturingHapur, Uttar Pradesh
Before
Multiple high-interest loans. Fragmented.
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.”
Client Reviews
What Our Clients Say.
Real businesses. Real sanctions. Real outcomes.
Written Reviews
“I didn't know this option existed. Capital Expert completely changed how I think about financing my working capital.”
Business Owner — Delhi NCR
Infrastructure · ₹35 Crore CC Limit
“The savings were immediate. Nobody at my bank had ever suggested CC Limit. Capital Expert negotiated everything with PNB.”
Rajesh Jain — Trading Business
Gandhi Nagar, East Delhi · ₹2.85 Crore
“PSU bank financing at ₹4.58 Crore in Hapur — we thought it wasn't possible. Capital Expert arranged it at 8.75%.”
Nishant Gupta — Plastics Manufacturer
Hapur, UP · ₹4.58 Crore
Empanelled With.
Trusted By.
We are not a lender. We are an advisor — empanelled with PSU banks, working exclusively on your behalf.
All partner banks are RBI Regulated · 100+ year legacy institutions
State Bank of India
Bank of Baroda
Punjab National Bank
Canara Bank
Punjab & Sind Bank
Union Bank of India
SIDBI
₹5,000Cr+Total CC Limits & Loans Arranged
10+PSU Banks — All RBI Regulated
2,500+Businesses Served
50+Industries Served
Since Jan 2020Operating Since
FAQ
You ask,
we answer.
Everything you need before your first conversation.
+91 98XXX XXXXX — call direct
Still have questions?
Our team responds within 2 business hours. Free — no paperwork at this stage.
WhatsApp UsA CC Limit is a revolving working capital facility from a PSU bank. You are only charged interest on the amount you actually draw — not the full sanctioned limit. No fixed EMI. Rates typically 7.5%–9.5% per year — compared to 14–24% on business loans or NBFCs.
No. Capital Expert 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 the 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 or MSME working capital loan to be viable. The free consultation gives you an honest view of your specific eligibility. MSME businesses with 3+ years of operational history and clean banking relationships are typically strong candidates.
CIBIL is one factor, not the only one. PSU banks look at turnover, stock, book debts, banking relationships, and business vintage. Strong fundamentals have helped businesses with lower scores access CC Limits.
A PSU bank CC Limit is typically secured against your stock, book debts, and receivables — not fixed assets like property. This means many businesses that cannot offer property as collateral can still qualify. Capital Expert assesses your specific situation during the free consultation and tells you honestly whether a CC Limit or working capital loan without collateral is viable for your business.
Yes — Capital Expert has arranged CC Limits and working capital loans for small and mid-sized businesses across Delhi NCR, Noida, Gurgaon, Hapur, and beyond. The minimum threshold is typically ₹5 Crore annual turnover. Businesses with working capital loans for small business needs — trading companies, manufacturers, service providers — are our primary audience. The free consultation will confirm whether your business qualifies.
Capital Expert primarily serves businesses in Delhi NCR — Delhi, Noida, Gurgaon, Ghaziabad, Faridabad and surrounding areas. For cases above ₹10 Crore, we serve clients PAN India.
One Conversation.
Find Out If a CC Limit Is Right for You.
A free 15-minute consultation. Honest assessment of whether a CC Limit or switching from a business loan to a CC Limit makes sense for your business — at no cost, no commitment.
- 100% free — no paperwork at this stage
- Zero upfront fee — success-based only on sanction
- Response within 2 business hours
- SBI, Bank of Baroda, PNB, Canara Bank, Punjab & Sind Bank, Union Bank, SIDBI
Let's find out if a CC Limit is right for you.
Fill this in — we'll call you within 2 hours.
or
WhatsApp Us* Success-based fee — payable only on sanction. No upfront charges.