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A larger, cheaper and longer business loan, backed by property, with tenure up to 15 years.
When the requirement is large or long-term, a secured business loan is almost always the right instrument. You pledge property, and in exchange you get a far lower rate, a much bigger limit and a tenure that can stretch to fifteen years.
On ₹50 lakh over ten years, the gap between an 11% secured loan and an 18% unsecured one is several tens of lakh in interest. For any requirement above roughly ₹25 lakh, or any tenure beyond four years, it is worth the extra time the secured route takes.
Residential or commercial property owned by the firm, the partners, the directors, or in many cases a close family member willing to join as co-owner and guarantor. The property must have clear, marketable title and approved construction.
Buying business premises, a major plant expansion, taking over costlier existing debt, or funding a long working capital cycle. The longer tenure keeps the EMI low enough that the business can still breathe.
We structure the file so the tenure matches the cash your project will actually throw off. We also flag title problems early, because a legal query discovered in week three is what usually kills these files.
Typically 9.5% to 14% against 14% to 24% unsecured. On a large, long loan this is the single biggest saving available.
A long tenure keeps the EMI within what the business can actually service from monthly cash flow.
Sanctions run into crores where the property value and the business cash flow both support it.
Existing high-rate loans can be consolidated into this facility, cutting the monthly outgo sharply.
| Business vintage | At least 3 years, with audited financials |
|---|---|
| Security | Residential or commercial property with clear title, owned by the firm, its partners or a family co-owner |
| Funding | 50% to 70% of the lender's valuation of the property |
| Profitability | Profit after tax positive in at least the last 2 years |
| Credit score | 700 and above for all partners, directors and guarantors |
These are typical criteria. Individual lenders vary, and we will tell you which ones are flexible on your particular case.
You do not need any of these to enquire. We only ask for documents once we know which lender we are approaching.
Pre-filled with this product's own rate band and limits.
Pre-filled with the indicative rate band for Secured Business Term Loan. Move the sliders to match your own case.
Ten crore eight lakh
10 yr 6 mo
Your monthly EMI
₹12,67,173
for 10 yr 6 mo
These numbers are indicative. Your actual offer depends on the lender. Most loans in India are floating rate, so the EMI can change when the RBI moves rates.
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