Working capital
A long-tenor secured line to ease the operating cycle — without stretching short-term CC/OD limits or paying unsecured rates.
The cheapest big-ticket capital most SMEs overlook.
Loan Against Property for Business
Fund working capital, expansion, capex or debt consolidation by mortgaging property you already own — at a fraction of the cost of an unsecured business loan, over a far longer tenor. We structure the business case and run banks and NBFCs against each other for the biggest loan at the keenest rate. CA-led. ₹4,250 Cr+ mobilised since 2011.
Cheaper than unsecuredUp to ~15-yr tenorBanks & NBFCs
A track record since 2011, in numbers
₹4,250 Cr+
Capital mobilised across sectors₹550 Cr
Largest single facility structuredBanks & NBFCs
Matched to your business profileSince 2011
CA-led, senior on every fileFor a sizeable, multi-year business need, a loan against property is usually the cheapest capital available — indicatively ~9.5–14% versus ~14–24% for an unsecured business loan, over a tenor up to ~15 years. The asset stays in your use; the lower rate and longer tenor ease the cash-flow strain a short unsecured loan would create.
Finnova Advisory is an advisory firm — we structure the file and negotiate terms; the lender sanctions and disburses.
The facility at a glance
What a business LAP typically looks like
Indicative parameters for funding a business need against owned property. The property type, your financials and the end-use drive the LTV and rate.
Indicative rate~9.5–14% p.a.Far below unsecured business loans
LTV~40–75%By property type
TenorUp to ~15 yrsLong, eases cash flow
UseWC / capex / expansionOr debt consolidation
SecurityProperty mortgageAsset stays in use
Funded byBanks & NBFCsRun in competition
Indicative only — not an offer. Terms vary by property type, business profile and lender. See the property-type LTV/rate table on our loan against property page, or our guide to LAP LTV & eligibility.
What it funds
One secured facility, four business uses
Expansion & capex
A new unit, capacity addition or machinery — funded against property you already hold, at a rate capex deserves.
Debt consolidation
Replace costlier unsecured debt with one secured facility — cutting monthly outflow and simplifying the book.
Growth runway
A large, patient tranche to fund a multi-year plan, instead of rolling over short, expensive facilities.
Why Finnova
The business case, made the way lenders read it
Four reasons business owners run the mandate through us rather than walking it bank to bank.
We run all the lenders
Banks and NBFCs in competition for your file — for the highest LTV and lowest rate, not one relationship offer.
Business-purpose framing
We present the end-use, cash flows and repayment capacity the way a credit committee reads them, to support the maximum sanction.
Structure over headline rate
The right LTV, tenor and facility type often matter more than the advertised rate — we optimise the whole structure.
CA-led, end to end
Diligence, valuation, sanction negotiation, documentation and disbursement under one senior desk.
Consultation
Tell us about the business & the property
One conversation tells you the indicative loan size, the right-fit lender, and whether a business LAP beats your other options. No pitch — a straight read from people who structure these every week.
Thank you — your enquiry has been submitted
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.
FAQ
Business LAP, answered
Yes — business is one of the most common end-uses. A loan against property (LAP) lets you mortgage owned residential, commercial or industrial property to raise secured capital for working capital, expansion, capex or debt consolidation. Because it is collateral-backed, it is usually far cheaper and longer-tenor than an unsecured business loan, and the asset stays in your use.
Because the lender holds your property as security, the risk is lower, so the rate is lower — indicatively ~9.5–14% for LAP versus ~14–24% for an unsecured business loan, over a much longer tenor (up to ~15 years versus 1–3). For a sizeable, multi-year business need, that difference in rate and tenor is substantial. The trade-off is that LAP takes longer to set up and puts the property at stake.
Indicatively 40–75% of the property value depending on type — around 60–75% for residential, 50–65% for commercial and 40–50% for industrial — subject to your business financials and repayment capacity. We position both the property and the financials to support the maximum loan-to-value at the keenest rate.
Yes — lenders assess the business purpose, cash flows and repayment capacity alongside the property. A clear, well-documented end-use (a specific capex plan, a working-capital cycle, a consolidation that reduces outflow) strengthens the file. Structuring that business case the way a credit committee reads it is exactly what we do.
We are an advisory firm, not a lender. We package the business case and the property file, run a competitive process across banks and NBFCs, and negotiate LTV, rate and tenor — the lender sanctions and disburses.