Loan Against Property

Loan Against Property (LAP) for SME/MSMEs

About Loan Against Property

A SME/MSME loan (or Business Loan) from Srajan Capital will assist you scale your business by helping you meet all your financial requirements. Our SME/MSME loans are secured via a collateral which will help you unlock the true value of your assets. As the nature of the loan is secured, we are able to offer high loan amounts.

Loan for all needs

Use your property to fulfill your business requirement and goals.

Market value consideration

Our in-house experts evaluate your collateral’s market value on various metrics and get you the best offering against it.

Flexible repayment options

We provide easy repayment options including Easy Monthly Installments (EMIs).

Min. Loan amount

3 Lakh

Loan tenure period from

5 Years - 10 Years

Interest Rate starting from

15% per annum

Our Benefits

Quick Sanctions

With our quick appraisal process, you will not face any unnecessary challenges in your loan process.

No Hidden Charges

We believe in transparency. Hence, we take pride in a great loan experience, we will never impose any hidden charges other than our prescribed fees.

Minimum Documentation

Say goodbye to tedious paperwork. We wish to be your companions in every step of the way, and that includes helping you file all your paperwork.

Competitive Interest Rates

With our secured business loan we offer competitive and affordable interest rate in the market.

Documents Required for SME/MSME Loans

Proof of Identification

Voter Card, Aadhar Card, Valid Passport, Driving Licnese

Proof of Address

Voter Card, Aadhar Card, Valid Passport, Driving Licnese, Valid Rent agreement, Utility Bills in name of app/co-app

Income Proof

3 months salary slip, latest 6months bank statement, latest form 16/ ITR, Latest 1 year banking if Self employee

Property Papers

Copy of complete chain documents, Copy of agreement to sell (if executed), Copy of allotment letter (if applicable), Construction estimate

Other Documents

Statement of running loans, SOA/ Closure letter

Frequently asked questions (FAQ’s)

1What is SME/MSME Loan Against Property?

A Loan against property, as the name suggests is a loan that is secured against a residential or commercial property. For SME/MSME this loan can be availed for business expansion, inventory management, fulfill working capital needs, etc.,

2Who can avail this loan?

Any individual, salaried or self-employed can avail Loan Against Property. The co-applicants can be partners or family.

3What are the property types you can take loan against?

You can mortgage various properties to avail a Loan. These could be: 1. Residential properties which are self-occupied or rented (Apartment, House, Flat etc) 2. Commercial properties such as shops, offices etc. 3. A piece of land or plot owned by you.

4What is the loan process?

Step 1: Submit loan application with all required documents for KYC, Income, Property title and Valuation. 

Step 2: Official visits for Field Investigation, Personal Discussion & Tele-verification.

Step 3: After clearance of all queries related to Income, Property Title and valuation, the sanction decision is made. 

Step 4: Submission of all requisite documents for disbursal, post verification the disbursal is made. All key internal processes are handled by a dedicated and knowledgeable in-house team to ensure your application is given due attention and to maintain the highest level of confidentiality.

5How do I apply?

Leave your details here.

6Is there a pre-payment or part-payment option for your product?

Yes. You can prepay or part pay the loan, subject to terms & conditions specified as per your sanction letter.

7What is the maximum loan I can borrow?

Loan amount is subject to our credit assessment and internal rating. We cap our SME/MSME loan amounts at 1 cr. 

8What are my tenure options?

Tenure options are subjected to the credit worthiness  of an individual. Usually our loans have options ranging from 5 years - 10 years.

9Still have doubts?

To get answers to process-related questions, please fill the form and our team will get in touch with you.

Apply For Loan