Break Free from Cash Flow Stress.
India’s honest working capital advisory for MSMEs.
No more blind banking. No agent traps. Only clarity.
Harshal Vijay Sanghani
Do these sound familiar?
Bankers avoiding calls?
"I kept calling for my CC renewal, but no one picked up. Lost sleep for weeks."
– Rajesh, Nasik
Real Story
Stock statement errors?
"Bank rejected my drawing power. All because of a tiny mistake in my stock report."
– Shweta, Pune
Real Story
Supplier pressure mounting?
"Suppliers called daily for payments. My bank limit was stuck. Felt trapped."
– Dinesh, Mumbai
Real Story
Which is your biggest struggle?
CC / OD / Inventory Finance, Explained
Cash Credit (CC)
Flexible working capital limit, secured against inventory and receivables. Pay interest only on used amount.
Most Popular
Bank-Linked
Overdraft (OD)
Credit limit linked to your current account. Use as needed; quick access for urgent needs. Great for short-term gaps.
Flexible
Inventory Finance
Get funds against your stock. Fast disbursal, often with less paperwork. Useful for seasonal businesses.
Quick Approval
| Product | Best For | Security | Interest on |
|---|---|---|---|
| Cash Credit (CC) | Inventory-heavy traders, manufacturers | Stock + Receivables | Used Amount |
| Overdraft (OD) | Established businesses, urgent needs | Collateral or Current Account | Used Amount |
| Inventory Finance | Seasonal, fast-moving businesses | Stock | Disbursed Amount |
7 Hidden Traps in Working Capital Limits
Avoid these traps before it’s too late.
The Unspoken Rules of Working Capital – Indian MSME Survival Guide
What your banker and agent won’t tell you—revealed by a real finance strategist.
Avoid rejection, hidden fees, and cash flow disasters.
What you’ll learn:
- 7 Traps to Avoid
- Approval Hacks
- Drawing Power Secrets
- Renewal Negotiation
"This saved my clients lakhs."
Get the MSME Survival Guide
- Insider tips, not found online
- Step-by-step process
- No agent commission
What You’ll Learn Inside
- Drawing power decoded
- CC vs OD – which is safer?
- Hidden documentation traps
- How to negotiate renewal terms
- Real approval hacks
Micro-tips
- Tip: Always check your drawing power calculation with your CA before submitting.
- Tip: Keep a scanned set of all documents ready for faster approval.
Reading Progress
Harshal Vijay Sanghani
Founder, Helply Finance
“We don’t just arrange limits. We structure your working capital smartly. MSMEs deserve clarity, not confusion.”
Why I left banking: After a decade in finance, I saw honest MSMEs get trapped by agent commissions, hidden charges, and unclear processes. I started Helply to be the advisor I wish my own family had.
"धन्यवाद! We're with you."
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Relief Stories from Indian MSMEs
Amit Jain
Trader, Mumbai
“My CC renewal was stuck for months. Helply explained the real issues, guided my paperwork, and I got approval in days.”
Priya Shah
Manufacturer, Vadodara
“I was lost in documentation. Helply’s WhatsApp support made it so simple. No agents, just honest advice.”
Suresh Patel
Distributor, Surat
“Suppliers chased me daily. Helply’s founder himself reviewed my case. I felt heard and got my limit renewed.”
Clients across India – See map
Why MSMEs Trust Helply
100% Transparent Process
No Agent Commission
WhatsApp-first Support
Data Privacy Assured
Partnered with leading Indian banks & NBFCs
Process Steps
- 1 WhatsApp Profile Review
- 2 Personalized Limit Structuring
- 3 Transparent Bank/NBFC Processing
- 4 WhatsApp Support till Disbursal
WhatsApp Support
Frequently Asked Questions
CC vs OD: What’s the difference?
What is drawing power?
Which documents are required?
What if my CIBIL is low?
Can new businesses apply?