Loan Against Property Commercial Overview
LoanPao’s Loan Against Property (LAP) for commercial purposes in India 2025 allows businesses to leverage commercial properties like offices, shops, or warehouses to secure loans up to ₹50 crore at competitive rates of 9%–15% p.a.. With tenures up to 15 years, this secured loan is ideal for business expansion, working capital, or debt consolidation. Partnered with 500+ RBI-compliant lenders, LoanPao ensures quick approvals in 5–10 days via a digital process. For other business financing, explore our Business Loan or Invoice Financing options.
Apply below or use our EMI Calculator to plan repayments. Contact us at +91-971-769-5334 for support.
Benefits of Commercial Loan Against Property
High Loan Amounts
Up to ₹50 crore based on property value.
Low Interest Rates
Competitive rates from 9% p.a. for secured loans.
Long Tenure
Flexible repayment up to 15 years.
Digital Process
Online application with e-KYC and property valuation.
Trusted Lenders
500+ RBI-compliant banks and NBFCs.
Versatile Use
Fund expansion, equipment, or working capital.
Eligibility Criteria
| Criteria | Details |
|---|---|
| Applicant Type | Registered businesses, professionals, self-employed |
| Property Type | Commercial (shops, offices, warehouses, industrial units) |
| Property Ownership | Clear title, free from disputes |
| CIBIL Score | 650+ preferred for better rates |
| Loan Amount | ₹10 lakh–₹50 crore (50–70% of property value) |
| Business Vintage | Minimum 3 years in operation |
Check your eligibility with our CIBIL login tool or contact info@loanpao.in.
Documents Required
- KYC: Aadhaar, PAN of business owner
- Business Registration: GST, Certificate of Incorporation
- Property Documents: Title deed, approved plan, NOC
- Income Proof: ITR, profit & loss statement (last 2 years)
- Bank Statements: Last 12 months
How to Apply for Commercial LAP
Apply with LoanPao in 4 simple steps:
- Fill the form below with business and property details.
- Upload KYC, property documents, and financials via e-KYC.
- Complete property valuation with lender assistance.
- Get funds in 5–10 days after approval.
Start your application or call +91-971-769-5334 for assistance.
Compare Commercial LAP Providers
| Provider | Interest Rate (p.a.) | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| HDFC Bank | 9%–12% | ₹50 lakh–₹50 crore | 1–15 years | 0.5–1% |
| ICICI Bank | 10%–13% | ₹25 lakh–₹40 crore | 1–12 years | 0.75–1.5% |
| Bajaj Finance | 11%–15% | ₹10 lakh–₹30 crore | 1–10 years | 1–2% |
Note: Rates and terms are indicative and subject to change. Contact LoanPao for updated offers (July 2025).
Uses of Commercial Loan Against Property
Commercial LAP funds can be used for various business needs, including:
- Business Expansion: Open new branches or outlets.
- Working Capital: Manage daily operational expenses.
- Equipment Purchase: Buy machinery or technology.
- Debt Consolidation: Clear high-interest loans.
- Commercial Property Development: Renovate or construct.
Why Choose LoanPao for Commercial LAP?
Wide Lender Network
Compare offers from 500+ RBI-compliant lenders.
EMI Calculator
Use our EMI calculator to plan repayments.
24/7 Support
Contact us at +91-971-769-5334 or info@loanpao.in.
Tips for a Successful Commercial LAP Application
- Ensure clear property title with no legal disputes.
- Maintain a CIBIL score of 650+ for better rates.
- Provide accurate financials and business vintage proof.
- Opt for lenders with lower processing fees.
- Use our EMI Calculator to align repayments with cash flow.