THE CREDIT LANE
About this funding solution
A commercial or industrial purchase loan lets a business acquire operating premises without depleting working capital, with the property itself serving as security.
Loan-to-value generally runs 50–75% of the registered property value, with banks pricing at the lower end (around 8.5–11% p.a.) and NBFCs typically 10–14% depending on borrower profile, property type and loan size.
Because tenure can stretch to 15 years, EMIs are often lower than the rent a business would otherwise pay — converting a recurring cost into a growing asset.
*Public/private banks typically price 8.5–11%; NBFCs and HFCs 10–14%, depending on profile and property type.
Who is this solution for?
Best suited to businesses ready to trade a long-term EMI for ownership of the space they operate from.
- Currently paying rent for business premises and want to own instead
- Buying an industrial plot or shed to relocate or expand operations
- Need a loan structured against both business and property cash flows
- Looking to free up working capital instead of paying cash for property
Why consider this funding route?
High loan-to-value
Finance up to 75% of the registered property value.
Balance transfer support
Move an existing commercial property loan to a lower rate.
Flexible end-use
Applies to shops, showrooms, offices, warehouses and industrial plots.
Co-applicant structuring
Combine promoter and firm income to maximise eligibility.
How it works
Property vetting
Legal team checks title, encumbrance and zoning before you commit.
Valuation
Empanelled valuers assess fair market value for loan sizing.
Sanction
Lender issues terms based on property value and business income.
Registration & disbursal
Funds released in sync with registration and legal formalities.
Indicative Repayment (EMI) Calculator
Use the sliders below to get an indicative estimate. Final terms are subject to formal underwriting and lender / investor committee assessment.
Client experience
FAQs
Yes, most lenders allow a top-up for fit-out or renovation once the base purchase loan is sanctioned.
Not mandatory, but adding a co-applicant (partner/promoter) often improves eligibility and rate.
We flag title issues during legal vetting before applying — resolving these upfront avoids sanction delays later.
Banks are typically cheaper (8.5–11%) but slower and stricter on documentation; NBFCs move faster at 10–14%. We benchmark both before you decide.
Check Eligibility
Submit details for Commercial or Industrial Purchase Loan. Our desk reviews profile variables and calls you back the same working day.