Home / LAP Overdraft
Property-Backed Liquidity, On Tap
An overdraft limit secured by your property — draw when needed, repay when flush, and pay interest only on what you use.
Funding Amount
₹50 Lakh – ₹50 Cr
Approval Timeline
2–4 weeks
Pricing
9% p.a. onwards
About LAP Overdraft
A term LAP gives you a lump sum whether or not you need it all — and charges interest on all of it. The overdraft variant is smarter for operating businesses: a sanctioned limit against property that you draw and repay freely, with interest metered daily on utilisation alone.
LOANYARD CAPITAL structures LAP-OD and dropline overdraft facilities for business owners whose needs fluctuate — inventory cycles, project milestones, opportunistic purchases — placing them with lenders offering the finest OD pricing and the least restrictive drawdown terms.
Key Benefits
Who Should Apply
- Business owners with fluctuating cash needs
- Traders funding inventory opportunistically
- Investors keeping dry powder ready
- Families wanting a low-cost emergency line
Eligibility
- Clear-title residential/commercial property
- Income or rentals supporting the limit
- Bureau score 685+ preferred
- Operating account conduct for OD variants
Documents Required
- KYC of promoters and business entity
- Last 2–3 years financial statements / ITRs
- Last 12 months bank statements
- GST returns where applicable
- Existing loan sanction letters and repayment track
- Requirement-specific documents (we guide you)
Industries Served
Our Process
Consultation
We understand your requirement, financials and timelines.
Structuring
Our analysts prepare a lender-grade proposal.
Placement
Competitive placement across best-fit lenders.
Negotiation
Amount, pricing, tenure and covenants negotiated.
Disbursement
Documentation to disbursal, managed end to end.
Why LOANYARD CAPITAL
15+ Years
Advisory Experience
500+
Corporate Clients
100+
Lending Relationships
Pan-India
Coverage