Overdraft is a banking financial product and is very different from Cash Credit. All you need is a security in the form of collateral or mortgage. Once an Over Draft facility is opened there is no need for renewing it like Cash Credit. Neither for elligibility your turn over is required. You only pay when you withdraw from Over Draft account with interest and only on the amount withdrawn.
The rate of interest is also lesser than a Cash Credit on the basis of comparison. Also it is for short term purposes only and is more versatile for the purpose you wish to use it for. It is only available for Current Accounts only. Over Drafts are mostly used to increase the cash inflow and also to see to it that your payments are smooth and you have a good standing with your vendors or else where where your reputation as a good paymaster is of primordial importance.
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