Credit facility allowing withdrawals beyond available account balance up to a sanctioned limit. It is often used for working capital or short-term liquidity. Utilization, overdrawn instances, and renewal discipline are key monitoring points. In MSME lending, it shapes how the facility is structured, priced, documented, disbursed and monitored after sanction. It should be reviewed with the borrower’s actual cash flows, existing exposure, repayment behaviour and the purpose for which the facility is being used. For example, a borrower temporarily exceeding the approved limit may be a one-off operational issue or an early sign of liquidity stress. It matters because facility terms influence cash-flow burden, utilisation behaviour, approval authority, documentation and customer communication. The common caution is to verify the amount, tenor, repayment cycle, moratorium, security, renewal terms and approval conditions instead of reading the field in isolation.