Monetize Real Estate Assets into Long-Tenor Corporate Liquidity
Monetize commercial, industrial, or residential real estate to secure maximum quantum capital at lowest interest rates. Specially structured for Indian growth enterprises and mid-market corporates requiring debt funding from ₹1 Cr to ₹500 Cr.
Loan Against Property (LAP)
Promoters and business families often hold significant wealth locked in self-occupied commercial premises, factory land, warehouses, or residential real estate. Pledging these unencumbered properties opens access to the lowest borrowing costs in the banking system.
A Loan Against Property (LAP) offers loan-to-value (LTV) ratios of 50% to 75% of market valuation. Unlike short-term working capital loans, LAP tenors extend up to 10–15 years, reducing monthly debt servicing obligations significantly.
SME PAISA structures LAP facilities as Term Loans or Drop-Line Overdrafts (DLOD). We resolve complex title issues, coordinate comprehensive legal & technical valuations, and negotiate lower processing fees across prime PSU and private banks.
Key Strategic Benefits
Loan Against Property (LAP)
Structured specifically to avoid cash-flow bottlenecks and optimize borrowing costs.
How This Facility Operates
From initial diagnostic appraisal and credit memo preparation to multi-lender syndication and seamless disbursement.
Title Search & Legal Due Diligence
Our legal partners conduct a 30-year search report verifying clear marketable title, chain of ownership deeds, non-encumbrance certificates, and sanctioned building plans.
Technical Valuation & LTV Sizing
Bank-empanelled valuers assess prevailing circle rates and market value to maximize your sanctioned quantum under approved LTV benchmarks.
Facility Type Selection (Term Loan vs DLOD)
We structure the loan as a standard amortizing term loan or a Drop-Line Overdraft where limit reduces gradually, allowing withdrawals and repayments as needed.
Sanction & Registered Mortgage
Execution of equitable or registered mortgage with CERSAI filing, followed by immediate loan disbursement.
Eligibility & Documentation Checklist
Standard underwriting criteria across our network of 50+ scheduled commercial banks and institutional NBFCs.
Primary Eligibility Norms
BENCHMARKSEven if your financial ratios fall slightly outside conventional bank parameters, our credit advisory team structures mitigating covenants, secondary collateral, or multi-banking facilities to secure approvals.
Required Documentation Checklist
48-72 HRSKeep these documents ready to fast-track your proposal review within 48 to 72 hours:
Calculate Limits & Financial Costs
Use our proprietary financial calculators to simulate borrowing capacity, drawing power, and debt service coverage before submitting to credit committees.
Business Term Loan EMI Calculator
Simulate facility parameters, cash flows, and interest outgo.
Enterprise Value to Equity Bridge
Simulate facility parameters, cash flows, and interest outgo.
DSCR & Debt Service Coverage Diagnostic
Simulate facility parameters, cash flows, and interest outgo.
Why Corporates Trust Our Structuring Desk
We do not lend from our own books. Our sole mandate is generating competing term sheets from 50+ banking partners to deliver lowest borrowing costs.
50+ Lending Partners
Direct access to credit committees across India's premier public sector, private commercial, and specialized NBFC lenders.
100% Conflict-Free Pure Advisory
We do not lend from our balance sheet or operate with lender-biased volume targets or hidden commissions.
Government Scheme Maximisation
Integrating PLI, CGTMSE credit guarantees, TReDS, and Priority Sector lending benefits into your credit structure.
End-to-End Execution till Drawdown
Hands-on management from initial financial diagnostic through to term sheet sanction, security creation, and fund disbursement.
Questions About Loan Against Property (LAP)
Key operational, structural, and regulatory details for this credit facility.
Structure your Loan Against Property (LAP) with optimal pricing.
Speak directly with our debt syndication team to structure your facility across our 50+ banking partners.
Ready to Access the Right Funding Solution for Your MSME?
Share your business details - our advisory team will map the right capital structure and connect you with the right partners, fast.
