The most underrated business-expansion tool for Indian SMEs. CA-led LAP advisory across banks and NBFCs — we help you raise secured capital against residential, commercial or industrial property at the right rate, tenor and loan-to-value, from the right-fit lender. Pune & Mumbai-based, we run the case end to end: valuation, lender shortlisting, sanction negotiation and disbursement. ₹4,250 Cr+ mobilised across 100+ deals since 2011.
A Loan Against Property is a secured loan raised by mortgaging owned property — residential, commercial or industrial. Because it is collateral-backed, LAP typically carries lower rates and longer tenors than unsecured business debt, while the asset stays firmly in your use. Getting it right means matching loan-to-value, rate, tenor and lender type to your cash-flow profile and end-use.
Finnova Advisory is an advisory firm — we structure the file and negotiate terms; the lender sanctions and disburses.
A Loan Against Property (LAP) is a secured loan raised by mortgaging owned property — residential, commercial or industrial — to fund business needs such as expansion, working capital, debt consolidation or capex. Because it is collateral-backed, LAP typically carries lower rates and longer tenors than unsecured business loans, while leaving the underlying asset in your use. Getting it right means matching loan-to-value, rate, tenor and lender type to your cash-flow profile and end-use.
From a new unit to a long-tenor working-capital line, LAP puts the capital trapped in your property to work — without you parting with the asset.
New units, capacity addition or a new location — funded against property you already hold.
A long-tenor secured line to ease the operating cycle without stretching short-term limits.
Replace costlier unsecured debt with one secured facility — cutting outflow and simplifying the book.
Plant, machinery and equipment funded against existing property at a competitive rate.
Move an existing LAP to a better rate or tenor where the switch is worth the cost.
What a Loan Against Property raises depends on the asset. As an advisor we arrange across banks and NBFCs — here are the indicative market ranges we negotiate within to get you the best fit.
| Property type | Typical LTV | Indicative rate (p.a.) | What drives it |
|---|---|---|---|
| Residential | 60–75% | 9.5–12% | Highest LTV, lowest rates — cleanest collateral |
| Commercial | 50–65% | 10–13% | Occupancy, tenant & location weigh in |
| Industrial | 40–50% | 11–14% | Most conservative; specialised use lowers LTV |
Indicative ranges (market, 2026) — actual LTV, rate and tenor depend on the property, your profile, lender and the loan size. Tenor typically up to 15 years. We tell you the bankable figure upfront.
A quick indicative estimate — move the sliders. We confirm the bankable figure at diligence.
Indicative only — actual LTV, rate and tenor depend on the property, your profile and the lender. Finnova is an advisory firm; the lender sanctions and disburses.
Get your exact number — talk to us →A Loan Against Property isn’t always the right tool. Here’s how it stacks up against the options promoters weigh against it.
| Attribute | Loan Against Property | Lease Rental Discounting | Unsecured business loan | OD / CC limit |
|---|---|---|---|---|
| Security | Mortgage of property | Leased property + rental stream | None | Stock / book debt (or clean) |
| How much | 40–75% of value | 60–75% via future rentals | Turnover-linked, smaller | Drawing-power linked |
| Indicative rate | 9.5–14% | ~8.75–12% | 14–24% | 9–14% |
| Tenor | Up to 15 yrs | Matches the lease | 1–3 yrs | Renewable annually |
| Best for | Large, long-tenor needs at low cost | Rent-yielding commercial property | Quick, small, unsecured | Day-to-day working capital |
If your property is leased and rent-yielding, Lease Rental Discounting is often cheaper — we’ll tell you which fits. Indicative figures; confirm at sanction.
A clean title and a clear repayment story do most of the work. Here’s what lenders look for — and what we’ll assemble and pressure-test before the file goes in.
SME and mid-market promoters who own residential, commercial or industrial property and want secured capital on better terms than an unsecured loan.
CA-led and Pune & Mumbai-based, serving Maharashtra, Delhi NCR, Bengaluru, Hyderabad and pan-India.
Indicative — varies by lender, property type and loan-to-value. We tell you exactly what each lender will want before the file goes in.
A clear path from case diligence to disbursement, with valuation flagged as the critical-path step and senior people on the file throughout.
We review property papers, financials and indicative eligibility — and tell you where the file stands today.
We match loan-to-value, rate and tenor across right-fit banks and NBFCs, and shortlist the right lender.
We compile the file and coordinate valuation and legal/title checks — the step most often on the critical path.
Credit-committee interaction, rate/tenor negotiation and the sanction letter — handled by the desk on the file.
Mortgage creation, condition-precedent compliance and drawdown — through to funds in the account.
Four reasons clients hand us the mandate — from valuation through to disbursement.
Your mandate is partner-led, not passed to a junior bench — the file is read the way a credit committee will read it.
We lead with the lender whose LAP appetite, LTV and rate fit your case — not a blanket application. NBFCs in our network actively cover LAP and structured facilities.
Valuation, sanction negotiation, documentation and disbursement run by one desk — no hand-offs, no dropped balls.
₹4,250 Cr+ arranged, ₹550 Cr largest single facility and 100+ deals since 2011 — across banks and NBFCs.
A sample of recent loan-against-property mandates, anonymised for confidentiality. Sectors and structures are real; names are not.
A manufacturer owning an industrial unit needed long-tenor working capital but wanted to avoid stretching its bank limits. We raised a LAP against the unit at a competitive rate, easing the operating cycle without touching existing CC limits.
[Illustrative]An SME carrying expensive unsecured debt consolidated it into a single LAP against commercial property, cutting monthly outflow and extending tenor.
[Illustrative]One conversation tells you the indicative loan-to-value, the right-fit lender and how fast it can move from diligence to disbursement. No pitch — just a straight read from people who run LAP mandates every week.
We’ve received your details. A senior member of our team will review them and get back to you within one business day. Everything you’ve shared stays strictly confidential.
How much you can really borrow against property — LTV, eligibility and when LRD beats a LAP.
Deeper dives for specific situations, and the major business markets we cover.