# Working capital and property-backed loans for established businesses, ₹5 crore and above > Established Tamil Nadu businesses with clear accounts and owned property usually fund day-to-day work with a cash credit or overdraft, and long-term needs with a loan against property or a loan to buy a business property. We help with loans of ₹5 crore to ₹250 crore. The bank decides whether to lend. Source: https://jrloanadvisors.com/for/msmes/ · Author: CA Jitendraa Rathi (CA membership number 217936), JR Loan Advisors · Updated 26 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. ## 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? 1. **Day-to-day cash** → [cash credit or overdraft](/services/working-capital/) 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). 2. **Yearly renewals** → [working capital renewal & compliance](/services/working-capital-renewal-compliance/). 3. **Long-term funds** → [loan against property](/services/loan-against-property/) on a factory or other owned property. 4. **Growth and machines** → [loan against property](/services/loan-against-property/). 5. **Property that is already rented out** → [rent-backed loan (LRD)](/services/lease-rental-discounting/) or a [warehouse rental loan](/services/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](/about/). *Reviewed 26 Oct 2026 · next review 26 Nov 2026.* ## Frequently asked questions ### What loan size do you handle for established businesses? We help with loans from ₹5 crore to ₹250 crore. That can be a cash credit or overdraft, a loan against property, a rent-backed loan, or a loan to buy a business property. We tell you our fee in writing before we start work. ### Can I move my cash credit or overdraft (CC/OD) to a different bank? Yes. Another bank can take over your cash credit or loan against property. It will check everything again, including a new value for your property. Your old bank will give you a letter saying you owe it nothing. ### Do you prepare the bank money-forecast pack? Yes. As a Chartered Accountant, CA Jitendraa Rathi prepares or reviews the money forecast papers a bank asks for (money-forecast papers (CMA data)) as part of the proposal. ## 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), [CGTMSE (collateral-free guarantee)](https://www.cgtmse.in/), [Udyam registration](https://udyamregistration.gov.in/). --- JR Loan Advisors — loan help for borrowers, Chennai & Tamil Nadu. Phone/WhatsApp +91 94450 93336 · jitendraa@jrloanadvisors.com · https://jrloanadvisors.com/