Unsecured disbursal up to ₹2 Cr
Eligibility is driven by your ICAI membership, years of practice, and CA firm age rather than just property collateral.
Designed for ICAI Registered CAs
Only Aadhaar, PAN & ICAI Certificate to start
Instant Unsecured Financing for Chartered Accountants
Access unsecured limits up to ₹2 Cr based on your ICAI certificate, experience and CA firm age. No collateral, minimal paperwork, and a digital-first journey.
Benefits
Built around how CA firms actually operate
Use unsecured capital to hire, expand, and modernise your practice while keeping client work uninterrupted.
Short, digital-first journey
Start with Aadhaar, PAN and ICAI certificate via a simple form. Most follow-ups and KYCs are handled online with the lending partner.
Match repayments to professional fee flows
Use EMI schedules that work better with your recurring retainers, audit cycles and filing timelines.
Why theGSTco.com
A financing route designed with CAs, for CAs
theGSTco.com already works closely with thousands of CAs and MSMEs on GST and compliance. This program leverages that understanding for better credit access.
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Underwriting that recognises your profession
Lenders consider ICAI membership, firm age and practice continuity instead of treating you like a generic trader or retailer.
Lenders consider ICAI membership, firm age and practice continuity instead of treating you like a generic trader or retailer.
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Assisted documentation and follow-up
Our team helps your office with the initial form, documentation checklists and co-ordination with partner lenders.
Our team helps your office with the initial form, documentation checklists and co-ordination with partner lenders.
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No obligation to avail every offer
You stay in control of the offers you accept. Explore limits, compare terms and then decide.
You stay in control of the offers you accept. Explore limits, compare terms and then decide.
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Compliance-focused ecosystem
With GST and legal workflows already in place, lenders gain additional comfort on your practice’s stability.
With GST and legal workflows already in place, lenders gain additional comfort on your practice’s stability.
Use cases
How CA practices typically use this facility
Example scenarios based on how CA firms fund their growth and smooth out working capital.
We onboarded two qualified CAs ahead of season and upgraded to licensed cloud software without disturbing our retained earnings.
4-partner CA firm, Pune
As a solo practitioner, this facility helped me lock a better-located office and hire one senior associate.
Individual CA, Bengaluru
We used the unsecured line for interiors and deposits of our second branch and repaid gradually from ongoing audit and consulting work.
CA LLP, Ahmedabad
Apply now
Share your ICAI details to explore offers
Fill this short form with basic practice information. Our team will work with lending partners to help you understand your potential unsecured limit.
2–3 minutes to get started
Keep Aadhaar, PAN and your ICAI membership / firm registration certificate handy.
Keep Aadhaar, PAN and your ICAI membership / firm registration certificate handy.
No change to your existing banking
This is an additional route to credit. You decide which offer, if any, to accept.
This is an additional route to credit. You decide which offer, if any, to accept.
Transparent, compliance-first approach
Key terms such as interest rate, processing fee and tenure are shared upfront by the lending partner.
Key terms such as interest rate, processing fee and tenure are shared upfront by the lending partner.
*theGSTco.com acts only as a facilitator with RBI-registered banks/NBFCs. Sanction, limit, rate and
documentation needs are solely at the discretion of the lending institution.
Trusted by Industry Leaders
30,000+ D2C Brands and Public Companies across diverse sectors rely on our expertise
And many more leading MSMEs
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