Commercial Property Loan

Business loan in Delhi NCR- India (Noida, Ghaziabad, Gurugram, Faridabad, Sonipat)

A commercial property loan is a loan-based funding arrangement between a business and a financial institution such as a bank. It is typically used to cover major capital expenditures or operating costs that the company may otherwise be unable to bear. A businessman applying for a Commercial loan needs the company's financial documents, proof of establishment, and old proof of business. Lenders also research the CRISIL score to understand the financial history of the business. Costly upfront costs and regulatory hurdles often prevent small businesses from accessing financing to the securities and stock markets. This means that, unlike individual consumers, small businesses must rely on other lending products such as unsecured loans or term loans.

How a Commercial Loan Works?

Commercial loans are offered to a variety of businesses, usually to help with short-term financial needs for operating expenses or to purchase equipment to facilitate the operating process. In some cases, credit may be extended to assist the business to meet basic operational requirements, such as a wage fund or purchase of goods used in production and manufacturing operations. Commercial property loan often requires a business post-collateral in the form of property, plant or equipment that the bank may confiscate from the borrower in the event of default or bankruptcy. Sometimes cash flows generated from accounts receivable futures are used as a network of debt. Mortgages issued to commercial real estate are a form of commercial debt.

Corporate Loan

When existing businesses or industrial companies are required to generate financial or working capital, they apply for corporate credit. The financing available through this loan is used for smooth operation and takes care of short-term and long-term costs. For example, it can be used for day-to-day expenses, finance capital, upgrading machines and any other activities related to expansion. Corporate loans can be secured or unsecured. Secured loans require a commercial property to be part of the security. In the absence of a loan, the lender may seize the property to claim the unpaid amount. If you apply for secured loans, you may benefit from lower interest rates, higher credit limits, and longer repayment terms compared to unsecured loans.

How does Corporate Loan work?

The primary objectives of the corporate loan include raising capital and managing debt for their corporate clients. An important component of corporate loan involves the development of investment instruments such as stocks and bonds. Other services include cash management, debt financing, credit underwriting and compliance with government financial reporting regulations. Enables separation of corporate banking from consumer or commercial banking services and financial professionals in these sectors to focus on meeting the needs of corporate clients.

Top Benefits of Business Loan

  • Easy documentation
  • Faster loan processing
  • Competitive interest rates
  • No guarantor/collateral required
  • The convenience of doorstep services
  • Flexible repayment options

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Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.

Yes, it is possible. This is subject to the eligibility criteria at the time of your request, and may be done at the sole discretion of Rupyaapaisa. You may submit a request letter to us, and if requested, fresh documents for the enhanced amount application.
Line of Credit is a unique credit facility given to our loan applicants, wherein you are approved for certain limit of credit/ loan, for a said duration. The monthly installment for Line of Credit will consist only of the interest amount and will not have a principal component on a monthly basis. The principal amount of loan is to be repaid at the end of the tenure of the facility. You can deposit the funds when in access and withdraw fund when required in business, and you will be charged interest only on the amount utilized by you. The limit may drop along the tenor (drop line) or remain constant throughout the tenor, giving you maximum availability of funds throughout the tenor.
The business loan tenure can range from 12 months to 36 months.
The interest rate is fixed.
Through NACH or other prescribed modes to our Group NBFC wherein your account will automatically get debited on due dates.
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