CA firms often borrow against fees, partners’ capital and property. CA Jitendraa Rathi (CA membership number 217936) has 20 years with loans, including at two banks. We help with tickets of ₹5 crore and above.
What do CA firms typically fund?
- Buy an office (common as firms grow).
- Fit out the office and upgrade computers and software.
- Overdraft for day-to-day cash when fees come in unevenly through the year.
- Loan against property (property as security) for a partner’s personal or investment need.
- Loan to buy a commercial office for the firm.
How a bank reads CA firm finances
We show you how a bank reads your firm’s accounts. That means money the partners put in, sudden jumps in drawings, interest paid on partners’ capital, and special loan rules for professionals that look at all fees, not only taxed profit. You can fix problems before you apply. CA Jitendraa Rathi (CA membership number 217936) has 20 years of experience with loans, including at two banks. Full career on the About page.
Practical tips for CA borrowers
- Keep firm and partner tax returns consistent with the partnership deed’s profit-sharing ratio.
- Put fee receipts into one or two main bank accounts, not many.
- Fix the property papers first — older Chennai office titles often need extra legal work.
- Prefer an overdraft against property instead of a fixed term loan if fees come in unevenly.
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).