Business Overdraft (OD) Loan | Dukandar Overdraft Facility

Business Overdraft (OD) Loan | Dukandar Overdraft Facility

Blog Article

The Dukandar Overdraft Facility addresses a critical issue faced by local merchants—cash flow gaps. Often, small shop owners, or dukandars, face fluctuating income due to seasonal sales patterns or inconsistent customer payments. These gaps can disrupt day-to-day operations, leading to stock shortages or delays in paying suppliers.

The overdraft facility allows dukandars to withdraw funds beyond their available balance, providing immediate access to capital when needed. Unlike traditional loans, which require lengthy approval processes, overdrafts are more flexible and can be accessed quickly, making them ideal for short-term needs.

The appeal of the Dukandar Overdraft Facility lies in its simplicity and accessibility. Many small business owners find it difficult to meet the stringent criteria of regular loans. However, with an overdraft, the loan limit is often based on past transactions, business turnover, and account history, offering a customized solution that matches the merchant’s financial behavior.

In times of unexpected expenses or delayed revenue, the overdraft facility serves as a lifeline. Dukandars can restock their shelves, manage operational costs, or address urgent financial needs without disrupting their business. By providing quick and flexible access to capital, the Dukandar Overdraft Facility ensures small businesses continue operating smoothly.