SECUREDBUSINESS LOAN
A Secured Business Loan allows you to unlock the true value of your assets — residential property,
commercial property, plant & machinery, or other approved collateral — to access substantial funding
at significantly lower interest rates. Whether you're expanding your manufacturing unit, acquiring new
commercial space, funding a large order, or refinancing existing debt, Gayatri Finserv connects you
with the most competitive lenders in our 50+ bank and NBFC network — with complete guidance and
doorstep service across Ahmedabad.
Features & Benefits
- Loan amount: ₹5 Lakhs to ₹10 Crores
- Competitive interest rates — lower than unsecured loans
- Flexible tenure: 12 months to 15 years
- Both residential & commercial property accepted
- Up to 70% LTV (Loan-to-Value) on property
- Overdraft / CC facility available against property
- No end-use restriction — business or capital expenditure
- Part-prepayment and foreclosure options available
- Available for proprietors, partnerships & Pvt Ltd companies
- Doorstep service across Ahmedabad
Accepted Collateral Types
🏠
Residential Property
Self-occupied or rented house, flat, or bungalow in your name or a co-applicant's name.
🏢
Commercial Property
Shop, office, godown, showroom, or industrial unit with clear title and approved plans.
🏭
Industrial / Factory
Manufacturing units, factory buildings, or GIDC plots with valid documentation and clear title.
🌾
Agricultural / Non-Agri Land
Non-agricultural converted land or plots in approved zones (subject to lender policy).
⚙️
Plant & Machinery
Specific lenders accept machinery as collateral for working capital or expansion funding.
📦
Inventory / Stock
Warehouse stock or inventory pledging accepted by select banks under specific CC/OD facilities.
Who Can Apply?
🏪
Sole Proprietors
Traders, retailers, and individual business owners with 2+ years vintage and property to pledge.
🤝
Partnership Firms
Registered partnership businesses with filed ITRs and collateral owned by any partner.
🏢
Private Limited Companies
Pvt Ltd companies with 2+ years of operations and property owned by director(s).
🏭
Manufacturers & MSMEs
Small and medium manufacturers needing large capital for expansion or machinery purchase.
👨💼
Self-Employed Professionals
CAs, architects, doctors, and consultants pledging their commercial or residential property.
📦
Traders & Distributors
Wholesale businesses using warehouse, godown, or commercial property as security.
Documents Required
🪪
PAN Card & Aadhaar Card (All Directors / Partners)
🏢
Business Proof — GST Certificate / Shop Act / MOA-AOA
📊
Last 2–3 Years ITR with P&L & Balance Sheet
🏦
Bank Statement — Last 12 Months (Current Account)
📋
GST Returns — Last 12 Months (if applicable)
📄
Property Documents — Title Deed, Sale Deed, Chain Documents
🗺️
Approved Building Plan / NA Order (for property)
🏠
Office / Residence Address Proof
📐
Property Valuation Report (arranged by lender's empanelled valuer)
Frequently Asked Questions
What is a secured business loan?+
A secured business loan is a loan where you pledge an asset — typically property, machinery, or inventory — as collateral to the lender. Because the loan is backed by security, lenders offer lower interest rates, higher loan amounts, and longer repayment periods compared to unsecured loans.
How much can I borrow against my property?+
Most lenders offer up to 60–70% of the property's current market value as a secured loan (known as Loan-to-Value or LTV ratio). For example, a property valued at ₹1 Crore can typically support a loan of ₹60–70 Lakhs. The final amount also depends on your business income, turnover, and repayment capacity.
What types of property are accepted as collateral?+
Most banks and NBFCs accept residential property (house, flat, bungalow), commercial property (shop, office, godown), and industrial / factory units. Some lenders also accept non-agricultural land, plant & machinery, and warehouse inventory for specific products. The property must have a clear title and be free of existing encumbrances.
Can I pledge someone else's property?+
Yes, in many cases a third-party property can be used as collateral — for example, a parent, spouse, or business partner's property. The property owner must provide a No-Objection Certificate (NOC) and become a co-applicant or guarantor. Lenders assess this on a case-by-case basis.
What interest rates can I expect?+
Secured business loan interest rates typically range from 9% to 15% per annum depending on the lender, your credit profile, property type, and loan amount. This is significantly lower than unsecured business loans (which can range from 14–24%). We negotiate the best rate from our 50+ lender network for your specific profile.
How long does it take to get a secured loan approved?+
Secured business loans take slightly longer than unsecured loans because property valuation and legal verification are required. Typically, you can expect approval and disbursal within 7–15 working days after document submission. We coordinate with the lender and valuer to ensure the fastest possible turnaround.
What happens to my property if I default?+
If you default on a secured loan, the lender has the legal right to take possession of and auction the pledged property to recover dues under the SARFAESI Act. This is why it is critical to assess your repayment capacity carefully before borrowing. If you foresee repayment difficulties, contact us or the lender immediately — restructuring may be possible before a default situation arises.
Can I use the loan for any business purpose?+
Yes. Secured business loans have no end-use restriction for legitimate business purposes. You can use funds for working capital, purchasing plant & machinery, business expansion, buying commercial property, inventory build-up, or refinancing existing higher-cost debt. Personal use is not permitted under business loan products.
Is there a processing fee?+
Yes, lenders typically charge a processing fee of 0.5–2% of the loan amount. Additionally, property valuation and legal verification charges may apply (usually ₹5,000–₹15,000 depending on property size and location). We ensure full transparency — all charges are disclosed before you sign any documents.