Who this page is for
Makers, traders and service firms with at least two to three years of audited accounts, GST and bank statements that match, and owned home, shop or factory property to offer as security, needing ₹5 crore or more.
What loan size do you handle for established businesses?
We help with loans from ₹5 crore to ₹250 crore. We tell you our fee in writing before we start work.
What kinds of funding do established businesses usually need?
- Day-to-day cash → cash credit or overdraft against stock, unpaid bills and property. Some firms also need a bank promise letter for raw material (letter of credit) or for tenders (bank guarantee).
- Yearly renewals → working capital renewal & compliance.
- Long-term funds → loan against property on a factory or other owned property.
- Growth and machines → loan against property.
- Property that is already rented out → rent-backed loan (LRD) or a warehouse rental loan.
Example case (not an offer)
Example: A Coimbatore pump maker sells ₹60 crore a year. The firm already has a ₹4 crore cash-credit limit. The owner needs about ₹7 crore more for bigger orders. One common bank method looks at about 20% of next year’s sales. That is ₹12 crore. The owner must bring about 5% of that sales base. That is ₹3 crore. So the bank may look at up to about ₹9 crore. The final amount also depends on stock, unpaid bills and property value.
Can I move my cash credit to a different bank?
Yes, when another lender offers a better rate or a larger limit. Expect a full check again, a new value for the mortgaged property, and a letter from your old bank saying you owe it nothing.
Do you prepare the bank money-forecast pack?
Yes. Money-forecast papers (CMA data) and projections are prepared or reviewed by CA Jitendraa Rathi as part of the proposal. You may pay us a fee. We tell you the amount in writing before we start.
Tamil Nadu business clusters we understand
- Chennai belt — auto parts (Sriperumbudur, Oragadam), engineering (Ambattur, Guindy, Thirumazhisai), electronics, logistics.
- Coimbatore — pumps, motors, foundries, textile machinery.
- Tiruppur — knitwear and garment exports.
- Hosur — auto and electrical parts.
- Erode & Salem — textiles, food processing, steel and related units.
How we help
CA Jitendraa Rathi has 20 years of experience with loans, including deciding them inside banks. He knows what banks look for, and we get your papers ready for that. The bank alone decides whether to lend. Full career on the About page.
Reviewed 26 Oct 2026 · next review 26 Nov 2026.
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, CGTMSE (collateral-free guarantee), Udyam registration.