How do you structure a loan to separate personal and corporate credit profiles?

Entity-level structuring involves identifying the optimal borrowing entity — individual, partnership, private limited company, or HUF — and ensuring the credit facility is structured in a way that isolates corporate liability from personal assets and vice versa. This is particularly relevant for promoters with significant personal wealth who wish to protect it from business credit risk. We advise on the structure before approaching any lender.

What types of property are accepted as collateral?

Most lenders accept residential properties (self-occupied and rented), commercial offices, and retail units. Industrial land and under-construction properties are accepted by select NBFCs. We advise on collateral strategy — including cross-collateralisation across multiple properties — to maximise the facility available.

Is there a penalty for early repayment?

For floating-rate secured loans to individuals, RBI guidelines prohibit prepayment penalties. Corporate borrowers may face a foreclosure charge of 2–4% depending on the lender and tenor remaining. We negotiate prepayment terms upfront and recommend lenders with the most borrower-friendly clauses for clients who anticipate early repayment.

MORTGAGE SOLUTIONS

Secured Business Loans

Collateral-backed growth capital from ₹1 Cr for promoters, family enterprise principals, and professional services practices. Entity-level structuring, institutional pricing, and priority processing through our dedicated lender channel.

₹1 Cr+

Loan Range

7 days

Fastest Approval

20+

Lending Partners

OVERVIEW

Fuel Your Business Growth

For promoters and business owners, structured capital access — without diluting equity or drawing on personal liquidity — is a strategic instrument. Secured business loans use commercial or residential property as collateral, offering substantially lower rates than unsecured working capital facilities and enabling capital deployment at a cost that preserves shareholder returns.

We serve promoters, family enterprise principals, and professional services practices across a range of structured funding needs: growth capital for expansion or acquisition, working capital for order execution, bridge funding ahead of a larger debt or equity raise, and consolidated credit facilities that separate personal and corporate liability structures. Our institutional channel with major banks and NBFCs delivers structured products and pricing unavailable through standard retail applications.

Loan amounts start at ₹1 Cr for established enterprises, with repayment structures tailored to business cash flows — equated monthly instalments, interest-only periods, bullet repayments, or overdraft facilities matched to your operating model and seasonal cash flow patterns.

WHAT'S INCLUDED

Key Features

Business Growth Capital

Working capital lines, term loans, and structured facilities for promoters and enterprises with established revenue. Funding typically available within 7–10 working days of sanction through our priority institutional channel.

Professional Practice Financing

Specialist tracks for professional services practices — with lenders who understand complex income structures, revenue seasonality, and the distinction between personal and practice financials.

Property-Backed Security

Residential or commercial property collateral gives access to rates starting at 10–11% p.a. — significantly below unsecured business loan rates of 15–22%.

Flexible Repayment

Choose from EMI-based term loans, interest-only periods, overdraft facilities, or bullet repayment structures — matched to your business cash flow patterns.

Institutional Channel Access

Our dedicated relationship managers at major banks process applications through a priority channel, cutting typical turnaround times by 40–50%.

Working Capital Renewal

Annual renewal of overdraft and cash credit facilities managed proactively — no gaps in your credit lines at critical operating moments.

PARTNERS

OUR PROCESS

How We Work

A clear, structured approach from your first consultation to ongoing support.

Business & Collateral Assessment

We review your last 3 years of financials, GST returns, and banking statements alongside the proposed collateral property to size the facility and determine eligible lenders.

Lender Matching

We match your business profile to lenders whose credit appetite aligns with your sector, vintage, and collateral type — avoiding applications likely to be declined.

Documentation & Submission

We prepare the complete credit application package — including CMA data, projected cash flows, and collateral documents — and submit through our institutional channel.

Approval & Facility Setup

Post-sanction, we review the term sheet for any unfavourable covenants and coordinate signing, security creation, and first disbursement.