Loan Against Property (LAP) for Business

Business financing against eligible residential, commercial or industrial property.

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We do not publish fixed rates. Interest rate, amount and tenure are decided by the lender based on your profile.

Check your loan options

Takes about a minute. We call you back within 10 minutes in working hours.

Step 1 of 4Your requirement
Which loan do you need? *
₹
₹1 L₹5 Cr
Applying as *
GST registered? *
File income tax returns? *
No CIBIL score needed. We look at your turnover and bank statements instead.

Checking options does not affect your credit score.

Overview

Loan Against Property lets eligible business owners raise funds by mortgaging a residential, commercial or industrial property. Since the loan is secured, it may allow a higher amount and a longer tenure compared to unsecured options — subject to the lender’s valuation and policy.

Who it is suitable for

  • Business owners with clear-title property
  • Businesses needing larger funds for expansion
  • Owners looking for longer repayment tenures
  • Businesses wishing to consolidate existing borrowings

Possible use cases

Business expansion and capital expenditureWorking capital requirementsBalance transfer of an existing LAPPurchase of machinery or premises

General eligibility factors

Lenders typically look at the following. There is no single fixed criterion — each lender applies its own policy.

  • Property type, location, value and legal title
  • Income and repayment capacity
  • Credit score and existing obligations
  • Business vintage and financials
  • Age of applicant and co-applicants

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

  1. 01

    Tell us your requirement

    Share basic details about your business and the funding you need.

  2. 02

    We understand your business

    A finance advisor reviews your profile and requirement.

  3. 03

    Explore suitable options

    We help identify potentially suitable lending partners.

  4. 04

    Application & lender decision

    Complete documentation with the selected lender, who takes the final decision.

FAQs

Which properties are accepted?

Many lenders accept residential, commercial and industrial properties with a clear title. Acceptability depends on the lender’s legal and technical evaluation.

How much can I get against my property?

The loan amount depends on the lender’s valuation and its loan-to-value policy, along with your repayment capacity.

Can I continue to use the property?

Generally yes — the property is mortgaged, not handed over. Specific terms are set out in the lender’s agreement.

Important: MyBusinessLoans.in is a financial services facilitator and does not itself represent that it is a bank or lending institution. We assist customers in exploring financing opportunities from participating lending partners. Loan approval, sanction amount, interest rate, processing fees, tenure and all other lending terms are determined solely by the respective lender based on its policies and the applicant's eligibility. Submission of an application or enquiry does not guarantee approval or disbursement.