# Loans for chartered accountants and CA firms

> Chartered accountants and CA firms can borrow against professional income. Common options: a loan against property (your property is the security), a loan to buy an office, or an overdraft against property. Some lenders have special loans for CAs. Each lender decides. Show partner income, money taken out, and money kept in the firm clearly for the bank.

Source: https://jrloanadvisors.com/for/ca-firms/ · Author: CA Jitendraa Rathi (CA membership number 217936), JR Loan Advisors · Updated 5 Oct 2026

**[Discuss a ₹5 Cr+ loan](https://jrloanadvisors.com/contact/#enquiry)** · WhatsApp +91 94450 93336 (https://wa.me/919445093336) · Call +91 94450 93336 · [Enquiry form](https://jrloanadvisors.com/contact/#enquiry). Loans of ₹5 crore and above.

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](/about/).

## Practical tips for CA borrowers

1. Keep firm and partner tax returns consistent with the partnership deed’s profit-sharing ratio.
2. Put fee receipts into one or two main bank accounts, not many.
3. Fix the property papers first — older Chennai office titles often need extra legal work.
4. 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.

## Frequently asked questions

### How do banks assess a CA firm partner's income?

Usually from the partner’s tax return (share of profit, pay and interest on capital) plus the firm’s accounts. Some lenders also look at all fees the firm receives, not only taxed profit. The two must match. The bank decides the amount.

### Can a CA firm take an overdraft against property?

Yes. An overdraft against property is common for professional firms when fees come in unevenly. Some overdrafts shrink as you repay (dropline). You pay interest only on what you use.

### Why would a CA need a loan advisor?

Even CAs may not know each lender’s rules, property-paper details or how the bank’s loan team weighs gaps. We compare government banks, private banks and finance companies for you.

## Discuss a ₹5 Cr+ loan

Send your papers for a free first look (₹5 crore to ₹250 crore). This is not a loan approval. **[Discuss a ₹5 Cr+ loan](https://jrloanadvisors.com/contact/#enquiry)** · WhatsApp +91 94450 93336 (https://wa.me/919445093336) · Call +91 94450 93336 · [Enquiry form](https://jrloanadvisors.com/contact/#enquiry). Loans of ₹5 crore and above. You may pay us a fee. We tell you the amount in writing before we start.


Official sources: bank rates and rules change, so check [SBI loan interest rates](https://sbi.bank.in/web/interest-rates/interest-rates/loan-schemes-interest-rates), [RBI (repo rate and lending rules)](https://www.rbi.org.in/), [Income Tax e-filing (ITR)](https://www.incometax.gov.in/iec/foportal/).

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JR Loan Advisors — loan help for borrowers, Chennai & Tamil Nadu. Phone/WhatsApp +91 94450 93336 · jitendraa@jrloanadvisors.com · https://jrloanadvisors.com/