Efficient working capital management is the backbone of any successful business, ensuring uninterrupted operations and steady growth. At BiggPocket, our Working Capital Facilities — including Cash Credit (CC), Overdraft (OD), Bank Guarantee (BG), and Letter of Credit (LC) — offer flexible and tailored financial solutions to meet both short-term and long-term operational requirements. Whether you need to address seasonal fluctuations, manage supplier payments, or secure business contracts, our facilities are designed to keep your business running smoothly without disruptions.
By providing access to reliable working capital, we empower businesses to maintain financial stability, optimize liquidity, and capitalize on growth opportunities with confidence.
Working Capital Facilities – CC, OD, BG, LC
Purpose
BiggPocket’s Working Capital Facilities are structured to provide the financial agility businesses need to sustain operations and expand their footprint. Our solutions are ideal for:
Bridging Cash Flow Gaps: Seamlessly manage fluctuations in receivables and payables, ensuring consistent liquidity.
Facilitating Business Growth: Support essential business activities such as inventory purchases, equipment upgrades, and market expansion.
Enhancing Business Credibility: Strengthen supplier and client confidence with Bank Guarantees (BG) and Letters of Credit (LC), positioning your business as a reliable trading partner.
Ensuring Liquidity: Maintain a steady flow of funds to meet day-to-day operational costs without financial strain.
Our working capital solutions offer the financial flexibility required to tackle everyday business challenges head-on.
Eligibility
At BiggPocket, we strive to make our working capital facilities accessible to a broad spectrum of businesses. Eligibility is determined based on the following criteria:
Business Type: Open to MSMEs, startups, and established enterprises across various industries.
Financial Health: Positive turnover, consistent profitability, and a healthy credit history are key indicators.
Operational Tenure: A minimum of 1–3 years in business operations to demonstrate stability.
Our eligibility process ensures that genuine businesses with well-defined financial needs can access funds promptly.
Documentation
To maintain transparency and expedite approvals, we require standard documentation that reflects your business’s financial health and credibility.
Business Registration Certificates: Proof of legal operation.
Financial Statements: Audited financial records for the last 2–3 years, reflecting turnover and profitability.
Bank Statements & GST Returns: Bank transaction history and GST filings to verify income and cash flow.
Collateral Details: For secured facilities, information about pledged assets (if applicable).
Our streamlined documentation process ensures you can focus on your business while we handle the financing.
Limits
At BiggPocket, we offer flexible credit limits designed to meet your specific working capital needs. The limits for each facility are structured as follows:
Cash Credit (CC): Revolving credit limit based on your business’s working capital cycle, ensuring continuous liquidity.
Overdraft (OD): A credit limit linked to your bank account, allowing flexible withdrawals as per business needs.
Bank Guarantee (BG): Limits depend on contract value and business credibility, helping you secure trade obligations.
Letter of Credit (LC): Limits are tailored to trade volume and transaction requirements, supporting import/export activities.
Our flexible limits ensure that your business has the financial bandwidth to operate efficiently.
Why Choose BiggPocket for Working Capital Facilities?
At BiggPocket, we don’t just offer financing — we provide a comprehensive financial partnership that aligns with your business growth journey. Our working capital facilities are built on flexibility, transparency, and reliability, offering you the financial freedom to achieve operational excellence.
Comprehensive Offerings: A wide range of tailored solutions to address every aspect of working capital management.
Flexible Terms: Customized credit limits and repayment options based on your business’s cash flow.
Competitive Interest Rates: Affordable financing to minimize financial burden and support sustainable growth.
Quick Approvals: A streamlined application process for timely access to funds, keeping your business ahead.
Expert Guidance: Professional financial advisors to help you choose and optimize the right facility for your business needs.
Trusted Financial Partner: With a proven track record, BiggPocket is committed to empowering businesses with reliable financial solutions.
With BiggPocket’s Working Capital Facilities, you gain access to the funds needed to maintain smooth operations and capitalize on growth opportunities. Whether you need to manage day-to-day expenses, enhance business credibility, or fuel expansion, we are here to support your success.
Empower your business with BiggPocket — Where Financial Flexibility Drives Growth.
