Best Cash Credit Loans in India 2025
Power your business with LoanPao’s flexible cash credit loans starting at 8.5% p.a. and approvals in 24 hours.
Apply NowAbout Cash Credit Loans in India 2025
A cash credit loan is a flexible, short-term financing solution designed for businesses to manage working capital needs. It allows businesses to withdraw funds up to a sanctioned limit, paying interest only on the amount used. In 2025, with India’s MSME sector growing by 15% annually, cash credit loans are vital for operational liquidity. LoanPao partners with 250+ RBI-compliant lenders to offer rates from 8.5% p.a., quick approvals, and digital processes.
Key Features of Cash Credit Loans
- Credit Limit: Up to ₹5 crore, based on business turnover and creditworthiness.
- Interest Rates: Starting at 8.5% p.a. (charged only on utilized amount).
- Flexibility: Withdraw and repay as needed within the sanctioned limit.
- Collateral: Secured against stock, receivables, or property.
- Digital Process: Apply online with e-KYC and instant approvals.
LoanPao’s cash credit loans empower businesses, from startups to established firms, to meet daily expenses, seize growth opportunities, and maintain cash flow. Apply today!
Cash Credit Loan Interest Rates 2025
Compare rates from top lenders, starting at 8.5% p.a. Rates vary based on business profile, credit score, and collateral.
| Lender | Interest Rate (p.a.) | Processing Fee |
|---|---|---|
| State Bank of India | 8.5%–10.0% | 0.5%–1.5% |
| HDFC Bank | 9.0%–11.5% | Up to 1% |
| Axis Bank | 8.75%–10.75% | 0.5%–2% |
| Bajaj Finserv | 9.25%–12.0% | Up to 1.5% |
Loan Comparison Tool
Our Loan Comparison Tool helps you compare rates, limits, and fees from 250+ lenders in real-time. Enter your business details and credit score to find the best deal.
Compare NowWhy Choose LoanPao?
LoanPao offers tailored cash credit loans with transparent terms, 24/7 support, and partnerships with 250+ trusted lenders, ensuring compliance with RBI and IRDAI guidelines.
Low Rates
Competitive rates starting at 8.5% p.a.
Fast Approvals
Approvals within 24 hours with minimal paperwork.
Trusted Lenders
Access 250+ banks and NBFCs.
Eligibility Criteria
Check if your business qualifies for a LoanPao cash credit loan:
- Business Age: 2+ years of operations
- Turnover: Minimum ₹5 lakh p.a.
- Credit Score: 650+ for better rates
- Collateral: Stock, receivables, or property
- Tip: Strong financials improve credit limits and rates.
Application Process
Apply for your cash credit loan in 5 simple steps:
- Submit online application on LoanPao’s platform.
- Provide business, financial, and collateral details.
- Get pre-approved offers from lenders.
- Complete verification (documents and collateral).
- Access funds within days.
Market Insights
RBI’s 2025 policies, including a repo rate of 5.50%, have lowered cash credit rates, boosting MSME growth by 15%. Read more in our blog.
Testimonials
“LoanPao’s cash credit loan helped my business manage cash flow effortlessly. Approved in 24 hours!”
Vikram Singh, Bengaluru“Their comparison tool saved me ₹1.5 lakh in interest. Highly recommend LoanPao!”
Priya Sharma, Mumbai