Overview
A commercial property loan helps eligible businesses and individuals purchase office space, shops, warehouses, factories and other commercial premises. Owning your premises can reduce rental outgo and build a long-term asset for your business.
Who it is suitable for
- Businesses moving from rented to owned premises
- Professionals buying clinics or offices
- Manufacturers acquiring factory or industrial sheds
- Traders buying warehouses or showrooms
Possible use cases
General eligibility factors
Lenders typically look at the following. There is no single fixed criterion — each lender applies its own policy.
- Property title, approvals and valuation
- Income, financials and repayment capacity
- Down payment / own contribution
- Credit score and existing obligations
- Business vintage
Documents generally required
- PAN
- Aadhaar / permitted identity documents
- Business registration documents
- GST registration
- Udyam registration
- Business address proof
- Bank statements
- Income Tax Returns
- GST returns
- Profit & Loss statement
- Balance Sheet
- Existing loan statements
- Property documents for secured loans
The actual document requirement varies according to the lender, product and applicant profile.
How the process works
- 01
Tell us your requirement
Share basic details about your business and the funding you need.
- 02
We understand your business
A finance advisor reviews your profile and requirement.
- 03
Explore suitable options
We help identify potentially suitable lending partners.
- 04
Application & lender decision
Complete documentation with the selected lender, who takes the final decision.
FAQs
How much down payment is needed?
The own contribution depends on the lender’s loan-to-value policy and property valuation.
Can I buy a resale property?
Many lenders finance resale commercial properties, subject to legal and technical checks.
Is rental income considered?
Some lenders consider rental income from the property. It depends on lender policy.