Secured Business Loans India 2025
Unlock high-value business loans with LoanPao. Rates from 8.25% p.a. and approvals in 72 hours.
Apply NowAbout Secured Business Loans in India 2025
Secured business loans are financing options backed by collateral, such as property, machinery, or other fixed assets. These loans offer lower interest rates (starting at 8.25% p.a.) and higher loan amounts (up to ₹50 crore) compared to unsecured loans, making them ideal for SMEs and startups looking to fund expansion, working capital, or equipment purchases. LoanPao partners with 250+ RBI-compliant lenders to provide tailored secured loan solutions with fast approvals and minimal paperwork in 2025.
Key Features of Secured Business Loans
- Loan Amount: ₹5 lakh to ₹50 crore, based on collateral value.
- Interest Rates: Starting at 8.25% p.a.
- Tenure: Up to 15 years for affordable EMIs.
- Collateral: Property, machinery, or other fixed assets.
- Fast Approvals: Funds disbursed in 72 hours with digital processes.
With LoanPao, access secured business loans to grow your business with confidence. Apply today!
Secured vs. Unsecured Business Loans
Understand the differences to choose the right loan for your business:
| Feature | Secured Business Loan | Unsecured Business Loan |
|---|---|---|
| Interest Rate | 8.25%–10.50% p.a. | 10.00%–15.00% p.a. |
| Loan Amount | Up to ₹50 crore | Up to ₹50 lakh |
| Collateral | Required (e.g., property, machinery) | Not required |
| Tenure | Up to 15 years | Up to 5 years |
| Approval Time | 72 hours | 24–48 hours |
Interest Rates for Secured Business Loans 2025
Compare rates from top lenders, starting at 8.25% p.a., based on collateral value and credit profile.
| Lender | Interest Rate (p.a.) | Processing Fee |
|---|---|---|
| Bank of India | 8.25%–9.75% | 0.5%–1% |
| HDFC Bank | 8.50%–10.00% | Up to 0.75% |
| Bajaj Finserv | 8.75%–10.50% | Up to 1.5% |
| ICICI Bank | 8.40%–10.25% | 0.5%–1% |
Why Choose LoanPao for Secured Business Loans?
Low Rates
Competitive rates starting at 8.25% p.a.
High Loan Amounts
Up to ₹50 crore based on collateral.
Quick Approvals
Funds in 72 hours with minimal paperwork.
Eligibility Criteria
Check if your business qualifies for a secured loan:
- Business Age: Minimum 3 years in operation.
- Turnover: ₹20 lakh+ annually.
- Credit Score: 700+ for better rates.
- Collateral: Property, machinery, or fixed assets with clear title.
- Documents: ITR, GST returns, bank statements, property papers.
Application Process
Apply for a secured business loan in 5 easy steps:
- Submit online application on LoanPao’s platform.
- Provide business, financial, and collateral documents.
- Get pre-approved offers from lenders.
- Complete collateral verification (legal and technical).
- Receive funds in 72 hours.
Calculate Your EMI
Use our EMI Calculator to estimate monthly payments and total interest for your secured business loan.
Market Insights
RBI’s repo rate at 5.50% in 2025 has lowered secured loan rates, boosting SME financing by 15%. Read more in our blog.
Testimonials
“LoanPao’s secured loan process was smooth. Got ₹2 crore against property at 8.5% p.a.!”
Vikram Singh, Mumbai“Their team helped me leverage my factory assets for a low-rate loan. Highly recommend!”
Neha Patel, Ahmedabad