Typical funding needs
- Studio or office purchase.
- Overdraft against property for fee timing gaps.
- Bank guarantees for design-build and government project tenders.
- Cash credit for turnkey interiors firms holding material.
- Loan Against Property for personal or investment needs.
What lenders want to see
Your professional registration, years of practice, tax returns and accounts, bank statements showing fee inflows, a client and project list, and how old your unpaid bills are. For bank-guarantee or cash-credit limits, banks also want project-wise order books and proof you finished similar work before. He has 20 years of experience with loans, including at two banks — full career on the About page.
How JR Loan Advisors works with this segment
Facility structuring, access to public-sector banks, private banks and NBFCs, and a stated view of what is realistic for the file. We work on loans of ₹5 crore and above. You may pay us a fee. We tell you the amount in writing before we start.
Written and reviewed by CA Jitendraa Rathi, Chartered Accountant (CA membership number 217936) · Ex-banker, 20 years of experience in credit and lending · LinkedInLast reviewed · Expert review: CA Jitendraa Rathi (ICAI 217936)
Official sources: bank rates and rules change, so check SBI loan interest rates, RBI (repo rate and lending rules), Income Tax e-filing (ITR).