Overdraft Facility
A flexible safety net for short-term liquidity.
About Overdraft Facility
An overdraft facility lets you draw beyond your account balance up to a sanctioned limit, repay as funds come in, and draw again, paying interest only on what you use. Ideal for businesses with lumpy cash flows that need flexibility rather than a fixed-tenure loan.
Key Benefits
Draw and repay freely
Use the limit as often as you need within the period.
Interest on usage only
No cost on the unused portion of your limit.
Secured or unsecured
Against property, FD or eligible cash-flow profiles.
Quick access
Funds available on tap once the limit is set.
Where It Helps
Managing day-to-day liquidity gaps
Handling unexpected expenses
Smoothing irregular cash inflows
Short-term supplier payments
Bridging delayed customer payments
Eligibility
Active business or salaried profile (varies by lender)
Acceptable collateral or cash-flow record
Good credit history
Stable income or turnover
Valid KYC and account history
Documents Required
- KYC documents
- Income / financial proof
- Bank statements (last 6-12 months)
- Collateral documents (if secured)
- GST returns (for businesses)
From Enquiry to Disbursement
A clear, supported process from your first conversation to funds in your account.
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01
Requirement Assessment
We understand your need, profile and repayment capacity.
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02
Documentation Support
We prepare and review a lender-ready file with you.
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03
Lender Matching
We place your case with the best-fit lenders.
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04
Application Processing
We manage follow-ups, queries and underwriting.
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05
Approval & Disbursement
Sanction, agreement and funds in your account.
Ready to Explore Overdraft Facility?
Talk to a M2G advisor for a clear, no-obligation view of your eligibility and best options.