Explanation:

- Cash Credit: A short-term loan given to a company to meet its working capital requirements. The borrower doesn't need to withdraw the full sanctioned amount at once and interest is charged on the amount utilized.

- Overdraft: An extension of credit from a bank when the account balance reaches zero. It allows individuals or businesses to continue withdrawing money even with no balance, with interest charged on the overdrawn amount.

- Loan and Advance: A term loan refers to borrowing a fixed amount of money upfront, with repayments spread over time. Advances can be both short and long-term loans to meet immediate financial needs.

- All of the Above: Commercial banks offer all these types of loans, providing flexibility to meet different financial needs of borrowers.

The correct answer is: Option 4 - All of these