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Unlock the Capital Locked in Your Property
Residential, commercial or industrial — convert property into growth capital from ₹50 Lakh to ₹100 Crore at rates from 8.5% p.a., with structures including overdraft and lease-rental discounting.
Funding Amount
₹50 Lakh – ₹100 Cr
Approval Timeline
2–4 weeks
Pricing
8.5% p.a. onwards
About Loan Against Property
For business owners, property is often the largest idle asset on the balance sheet. A well-structured Loan Against Property (LAP) converts that dormant value into the cheapest long-tenure capital available to most businesses — at nearly half the cost of unsecured debt, with tenures up to 15 years that keep EMIs comfortable.
LOANYARD CAPITAL structures LAP mandates across residential, commercial and industrial properties, self-occupied or rented. Beyond the plain term loan, we advise on LAP overdraft structures (interest only on utilisation), lease-rental discounting against rented assets, and top-up strategies that maximise eligibility across property value and business cash flows.
Because valuation practices, LTV caps and income assessment vary dramatically across lenders, competitive placement matters enormously in LAP. The same property and profile can produce sanction differences of 20–40% in amount and 1.5–3% in rate across institutions — differences our lender network is built to capture.
Key Benefits
Who Should Apply
- Business owners needing large, low-cost, long-tenure capital
- Companies consolidating expensive unsecured debts
- Promoters funding expansion without diluting equity
- Owners of rented commercial assets (LRD candidates)
- Professionals and HNIs monetising real estate holdings
Eligibility
- Clear, marketable title to the property
- Property in approved municipal limits
- Demonstrable income — business or rental — to service EMI
- Age 21–65 for individual borrowers
- Credit score of 650+ preferred
Documents Required
- Complete property title chain and approved plan
- KYC of all owners and borrowers
- Last 2–3 years financials / ITRs
- 12-month bank statements
- Rent agreements for LRD structures
- Existing loan details for balance transfer
Industries Served
Our Process
Property & Profile Review
Valuation estimate and eligibility mapping across lenders.
Structure Selection
Term loan, overdraft or LRD — we recommend the optimal route.
Placement
Competitive placement with best-fit banks and HFCs.
Valuation & Legal
We coordinate technical and legal diligence.
Sanction & Disbursal
Negotiated sanction through to registered mortgage and disbursal.
Why LOANYARD CAPITAL
15+ Years
Advisory Experience
500+
Corporate Clients
100+
Lending Relationships
Pan-India
Coverage