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Property & personal
Loan Against Property – Unlock the Value of Your Property
Unlock the value of your property
Use the value of your eligible property to meet substantial business or permitted personal funding requirements with a Loan Against Property (LAP).
Under a LAP facility, eligible residential, commercial or industrial property is offered as security to the lender while ownership continues to remain with the borrower, subject to the loan agreement. Loan2Business helps eligible applicants explore property-backed lending options suitable for expansion, working capital, asset purchases and other permitted requirements.
Benefits of Loan Against Property
- Access funding against eligible property
- Suitable for larger funding requirements
- Longer repayment periods may be available
- Can support multiple permitted business purposes
- Continue retaining ownership of the property
- Potentially lower pricing than some unsecured facilities, depending on lender assessment
- Suitable for business owners and self-employed applicants
Who Can Apply?
Potential applicants may include:
- Business owners
- Proprietors
- Partners
- LLPs
- Directors of private limited companies
- Self-employed professionals
- Eligible salaried property owners
- MSMEs and established enterprises
Approval depends on borrower eligibility as well as the legal, technical and marketability assessment of the property.
Documents usually needed
Not needed to enquire. Lenders may ask for more or fewer, depending on the facility.
Proprietorship
- PAN and Aadhaar of the proprietor
- Business proof: GST registration, Udyam certificate or shop licence
- Bank statements for the last 6–12 months
- Income tax returns and financial statements for the last 2–3 years
Partnership or LLP
- Partnership deed or LLP agreement, and firm PAN
- PAN and Aadhaar of the partners
- GST registration and business address proof
- Bank statements for the last 6–12 months
- Income tax returns and financial statements for the last 2–3 years
Company
- Certificate of incorporation, MoA and AoA, and company PAN
- PAN and Aadhaar of the directors
- GST registration and a board resolution for the borrowing
- Bank statements for the last 6–12 months
- Audited financial statements for the last 2–3 years
Also for Loan Against Property
- Property title documents and approved plan
- Property tax receipts
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FAQs
Questions about Loan Against Property
What is a Loan Against Property?
A Loan Against Property is a secured loan where eligible property is offered as collateral to obtain financing.
What type of property can be considered?
Depending on lender policy, residential, commercial and certain industrial properties may be considered.
Can I use LAP for business expansion?
Yes, business expansion is a common permitted use, subject to the lender's end-use policies.
How is the eligible loan amount decided?
Lenders consider property valuation, borrower income, repayment capacity, existing obligations, credit history and other factors.
Do I have to vacate or sell my property?
Typically, no. The borrower generally continues to use the property while it remains mortgaged to the lender, subject to facility terms.
Why Loan2Business?
- Multiple finance solutions under one platform
- Solutions for MSMEs, manufacturers, traders and service businesses
- Secured and unsecured lending options
- Working-capital and supply-chain financing
- Assistance with loan documentation and application
- Access to financing options from eligible lenders
Loan Against Property
Unlock Funding from Your Property
Use an existing asset to support your next stage of growth.
Transparent by design
- Fees, where applicable, are disclosed in writing before you proceed.
- We never guarantee approval—final credit decisions and terms remain with the respective lender.
- We never ask for OTPs, passwords or unauthorised payments.
Offices in Mumbai & Pune · Supporting businesses across India
Tell us what you need
A funding specialist will get back to you with options for your business.
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