A Loan Against Property (LAP) is a secured loan where individuals or businesses pledge their residential, commercial, or industrial property as collateral to avail funds. The property can be land or land with a building, and banks typically fund up to 50–75% of the property’s current market value. This loan is ideal for meeting personal or business financial needs without selling the asset.

• Purpose: Consolidate high-cost debt, manage working capital, or meet personal (non-speculative/legal) needs.
• Collateral: Residential, commercial, industrial, or special-use properties (schools, hospitals, guest houses).
• Loan Amount: Up to ₹75 Cr, capped at 70% of the property value, subject to income eligibility.
• Eligibility: Based on financial health—balance sheet, bank statements, obligations, and credit history.
• Family Income Clubbing: Allowed for higher loan eligibility.
• Tenure: Flexible up to 15 years.
• Interest Rates: Starting at 8% p.a. with minimal processing fees.
• Tax Benefits: Interest deductions available under applicable laws.
• Product Variants:
• EMI-based Term Loan
• Drop-Line Overdraft (pay interest only on the utilized amount)
• Balance Transfer: Switch existing high-interest loans and save up to 2% on rates.
• Turnaround Time: 15–20 working days with leading Banks and NBFCs, subject to complete documentation.
• Property Requirements: Must be legally and technically clear and approved by lending institutions.

We help you get the best Loan Against Property offers with smooth processing and expert guidance

Working capital loan refers to the funds required to manage the day-to-day operations of a business, ensuring smooth functioning and financial stability. It covers short-term expenses like inventory, salaries, and operating costs.

To process a working capital request, the following are required:

• Complete set of financials for the last two years of the company and its directors
• The company should be profit-making
• Sanction letters of all existing credit facilities
• A clear CIBIL report is mandatory for any product. If there is a CIBIL issue, it is advised not to proceed with the case, as approval is unlikely.

We provide end-to-end assistance in arranging working capital solutions for eligible businesses.

A Collateral Free Business Loan is a type of financing provided to businesses without the need to pledge any assets or security. It is ideal for startups and small businesses looking to manage cash flow, expand operations, or meet working capital needs. These loans are usually approved based on the creditworthiness and financial health of the borrower.

• Purpose: For business expansion, working capital needs, or urgent fund requirements (not for personal, speculative, or illegal use).
• Collateral: Not required—no security, guarantor, or collateral needed.
• Loan Amount: ₹5 Lakhs to ₹75 Lakhs.
• Interest Rate: Starting at 15% p.a. with minimal processing and foreclosure charges.
• Tenure: Flexible from 1 to 4 years, with simple EMI-based repayment.
• Eligibility: Based on financials, credit history, bank statements, and existing obligations.
• Balance Transfer Option: Save up to 2% interest by shifting high-cost loans.
• Disbursal Time: Within 7–8 working days, subject to complete documentation and approval from leading Banks/NBFCs.

We help you access collateral free business loans with easy documentation and quick approval.

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