Real estate assets represent the highest concentration of wealth for Indian business promoters and high-net-worth individuals. A Loan Against Property (LAP) provides long-term, low-cost capital by leveraging the market valuation of your unencumbered or under-mortgaged residential, commercial, or industrial properties.
Led by ex-commercial banking credit underwriters CA Rochak Jain and Yogesh Patel, SME CFO Services structures tailored mortgage facilities that overcome stringent banking criteria (such as non-standard property titles, combined family ownership, mixed commercial-residential usage, and low reported net profit).
| Property Asset Type | Max Funding (LTV) | Typical ROI Range | Ideal Strategic Application |
|---|---|---|---|
| Residential Property (Flat/Bungalow) | 65% – 75% of Market Value | 8.85% – 9.50% p.a. | Business expansion, working capital infusion, lowest rate debt |
| Commercial Office / Retail Shop | 60% – 70% of Market Value | 9.00% – 9.75% p.a. | Corporate expansion, retail inventory funding, partner buyout |
| Industrial Factory / GIDC Shed | 50% – 60% of Market Value | 9.25% – 10.25% p.a. | Plant modernization, machinery procurement, export expansion |
| Lease Rental Discounting (LRD) | Up to 80%–85% of Net Present Rent | 8.75% – 9.50% p.a. | Instant capital against long-term corporate rental contracts |
| Debt Consolidation LAP | 100% of Consolidated Debt | 8.85% – 9.75% p.a. | Replace 15%–18% high-cost loans to reduce monthly EMI by 50% |
If your business is currently servicing multiple short-term unsecured business loans or credit cards with interest rates exceeding 15%–18% and heavy monthly EMIs, consolidating all debt under a 15-year LAP at 8.85%–9.25% immediately frees up 40% to 60% of your operational cash flow every month.
Speak directly with former commercial credit heads in Ahmedabad.
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