The credit limit depends on total cash balance or profitability of your company. As a general metric, assume a maximum of 20% of annual profits, or 2% of total cash balance in Fixed deposit or Mutual Fund or Current bank account.


Let's say you are a startup, and you recently raised 10 Crores. In that case, you would qualify for 20 Lakhs of credit limit.


Let's say that you are a profitable enterprise with Rs. 50 Lakhs of profits. In that case, your company would qualify for Rs. 10 Lakhs of credit limits.