Cash Credit and Overdraft (CCOD)

Raise up to ₹100 Crore through Cash Credit and Overdraft (CCOD) and pay interest only on what you use.

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750+
Startups Trust Us
₹2500 Cr+
Total Capital Funded
150+
Lenders on the Platform

Trusted by Marquee Lenders & Partners

Why CCOD Works for Growing Businesses?

Cash Flow Gaps Disrupt Daily Operations

Our CCOD provides instant access to working capital, so your operations stay uninterrupted.

Traditional Financing Takes Too Long

Our platform enables fast approvals and disbursements within 72 hours.

Paying Interest on Unused Limits Eats Into Margins

With CCOD, you're only charged interest on the amount you actually use, not on the full sanctioned limit.

Limited Financing Options Slow You Down

Recur Club connects you to 150+ lenders, providing more choices and better terms.

Recur Club vs Traditional CCOD Funding

Compare how Recur Club performs against banks and NBFCs at every stage of your fundraising journey.

Feature
Venture Debt
Other Platforms
Speed
Approval & disbursement within 72 hours
Several weeks + manual paperwork
Collateral
No collateral required
May require collateral such as assets
Interest Calculation
Charged only on utilized amount
Charged on full sanctioned limit
Loan Flexibility
Flexible withdrawals and repayments
Fixed schedules and limits
Pricing
Transparent flat fee, full cost breakdown
Complex fees and hidden charges
Lender Network
Access to 150+ bespoke lenders
Single lender or limited options
Onboarding Effort
1 application —> 150+ lenders
Lengthy, multiple branch visits and paperwork

How to Apply for a Cash Credit And Overdraft?

Step 1: Upload

Upload your business documents and financial data securely.

Step 2: Evaluate

Experts review your data quickly to assess eligibility.

Step 3: Offers

Receive tailored loan offers from 150+ lenders.

Step 4: Disbursement

Select the best offer and get funds disbursed to your account.

Eligibility Criteria & Documents Required

Fee Type Amount / Rate Details
Interest Rate Starting at 1.2%/month Based on eligibility
Processing Fee Up to 2% One-time fee on disbursal
Prepayment Fee Zero No charges for early payment
No hidden charges. All terms explained upfront.

Eligibility Criteria

  • Annual Revenue > ₹5 Cr
  • Mandatory GST Registration
  • Operational Runway > 3 Months
  • Business Vintage > 1 year

Documents Required

  • 📄 PAN and Aadhaar: For business and owners
  • 📄 GST Returns: For the last 12 months
  • 📄 Audited Financial Statements: Last year’s financial audit
  • 📄 Bank Statements: Last 6 months
  • 📄 Supplier Invoices: Verified and approved invoices for discounting

Gain quick access to CCOD funding through our platform, empowering your startup or SME to accelerate growth with confidence.

Success Stories

Technodysis: 3X Revenue Growth

AI and software startup Technodysis secured ₹10 crore, increasing revenue from ₹6 lakh in FY 2021 to ₹20.25 crore in FY 2024, with a ₹35 crore projection for FY 2025.

Girish Narbolikar
Head of Finance, Technodysis

Wellversed: 2X Revenue in 12 Months
Wellversed secured ₹6.5 crores, doubled revenue in a year, and boosted EBITDA by 63%, reflecting strong growth and improved efficiency.

Aanan Khurma
Co-Founder & CEO, Wellversed

MoveInSync: 240% Growth in 10 Months
MoveInSync secured funding from Recur Club, driving 240% business growth. The capital fueled expansion and enhanced service offerings.

Deepesh Agarwal
Founder, MoveInSync

WeVOIS: 2.7X Revenue Growth in 2 Years
WeVOIS secured ₹7.3 crores, surged revenue by 2.7x in two years, and improved EBITDA by 5%, along with expanding to 6 new cities.

Abhishek Gupta
Founder, WeVOIS

Frequently Asked Questions

Who is eligible for a working capital loan?

Is collateral required to secure a working capital loan?

Is a working capital loan considered debt?

What type of companies are eligible for a working capital loan?

How can I apply for a working capital loan with Recur Club?

What is CCOD in banking?

How does a CCOD facility work?

Who can apply for a CCOD facility?

Is CCOD better than a business loan?

What is the difference between cash credit and overdraft?

What’s the ideal use case for a CCOD facility?

Talk to an Expert