# Loans for traders, wholesalers and distributors

> Traders usually need cash credit (a running limit against stock and unpaid bills), an overdraft against property, or a loan against property for growth. Lenders look at GST sales, money through your bank, profit margins and how fast stock sells. Some traders show low profit on their tax papers. Some lenders then look at the money passing through your bank account or your GST sales to decide the loan size.

Source: https://jrloanadvisors.com/for/traders/ · 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.

## What a bank checks in a trading file

- **GST sales vs money in the bank** — big gaps often mean a smaller limit.
- **Gross margin and how fast stock sells** — odd margins for your trade invite more questions.
- **How old unpaid bills are** — bills older than about 90 days are often left out of how much you can draw this month (drawing power).
- **Cash deposits** — heavy cash needs a clear note.
- **Do you depend on one buyer or one supplier?**
- **Do cheques bounce? Do you stay inside your limit?**

## Loans that often fit traders

| What you need | Loan type |
|---|---|
| Stock and unpaid bills | [Cash credit](/services/working-capital/) |
| Flexible funds against property | Overdraft (including a cash limit that falls step by step as you repay) |
| Shop, godown or showroom purchase | [Loan against property or commercial purchase loan](/services/loan-against-property/) |
| Supplier credit | Letter of credit (LC) — a bank promise to pay your supplier |
| Working capital against property | [Secured cash credit / overdraft](/services/working-capital/) |

## How JR Loan Advisors works with traders

CA Jitendraa Rathi has 20 years of experience with loans, including deciding business loans at two banks. Full career on the [About page](/about/). 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 is a trader's cash-credit limit calculated?

Usually from expected sales and how long money sits in stock and unpaid bills (days in stock + days customers take to pay − days you take to pay suppliers). The bank funds a share; you bring the rest. How much you can draw this month (drawing power) then comes from monthly stock and unpaid-bill lists.

### Can traders with low ITR income get a big loan?

Sometimes, through programmes that look at average bank balance or GST sales, usually with property as security. Amounts are capped and the rate can be higher. GST and banking must match. The bank decides.

## 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/).

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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/