Commercial Lending Loan
Services - Product Details
Commercial Lending – Best Commercial Loan & Financing Solutions!
Get the best commercial lending and commercial financing solutions with CreditCares. Fast approval, low interest rates & flexible repayment. Apply now!
- 22 Banks
- 25 NBFC
What is Commercial Lending?
Commercial lending is a financial service that provides business loans to companies for expansion, working capital, and asset purchases. Unlike personal loans, commercial financing is tailored for businesses needing higher capital amounts with structured repayment plans.
✔ Types of Commercial Loans:
- Term Loans: Long-term financing for business expansion.
- Working Capital Loans: Short-term funding for daily operations.
- Equipment Financing: Funds for purchasing business machinery.
- Invoice Financing: Loan against unpaid invoices to manage cash flow.
✔ Why Choose Commercial Lending?
- Quick and hassle-free funding for businesses
- Competitive interest rates with flexible repayment options
- Higher loan amounts compared to personal financing
- No need to dilute business equity
Who Can Apply for Commercial Lending?
Businesses and entrepreneurs looking for commercial financing can apply if they meet the following criteria:
✔ Business Type: Sole proprietorships, partnerships, private limited companies, MSMEs, and large corporations.
✔ Minimum Business Vintage: At least 1 year of operational history.
✔ Annual Turnover: Must meet the minimum turnover criteria set by the lender.
✔ CIBIL Score: A good business credit score improves loan approval chances.
✔ Profitability: Consistent revenue and profit margins increase eligibility.
✔ Collateral: Secured commercial loans may require assets as collateral.
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Not sure if you qualify?
Contact CreditCares for a free eligibility check and get the best commercial lending solutions tailored for your business.
Key Features of Our Commercial Lending Services
Choosing our service means you get an all‑in‑one solution for your property financing needs. Here are the core features that set us apart:
- High Loan Amounts – Get funding tailored to your business needs.
- Flexible Repayment Options – Choose tenures that suit your cash flow.
- Competitive Interest Rates – Avail the best market rates for your business.
- Quick Processing & Approval – Fast loan disbursal with minimal paperwork.
- Secured & Unsecured Options – Choose between collateral-based or unsecured loans.
- Custom Loan Solutions – Designed for SMEs, startups, and large enterprises.
Get your Loan in 4 easy steps
We have simplified the process into four easy steps, so you can get started on your Commercial lending journey without delay:
Initiate Your Application
Contact us by filling out our online form.
Submit Required Documents
Gather and submit all necessary documentation.
Get Approval
Our experts review your application and assess your eligibility.
Disbursement of Funds
After accepting the loan offer and get funds.
Eligibility:
CIBIL Score:
750 or higher
Business documents
All necessary registration
Turnover
30L+ required
Documents Required:
A smooth application process requires a clear list of documents. Ensure you have the following ready before applying:
- Passport (optional)
- Driver’s license
- Aadhar card*
- Voter ID card
- PAN card*
- Utility bills (electricity, water, gas)*
- GST registration certificate.
- Partnership deed (for partnerships business)
- Memorandum and Articles of Association (for companies)
- Trade license
- Shop and Establishment certificate
- Udyam certification with annexure
- GST certificate
- Business bank statements
- Income tax returns of the business
- GSTR 3b
- Audited financial statements (Profit and Loss statement, Balance Sheet)
- Business income proof (such as sales invoices, contracts, or revenue statements)
- Passport-sized photographs
- References
- Any additional documents requested by the lender
- Having a co-applicant is mandatory.
- In certain cases, having a woman co-applicant is also mandatory.
- A co-applicant can be a spouse or any first blood relative, such as parents, siblings, or children who have attained the age of maturity (subject to the income-ownership grid).
- All co-owners of the property must be part of the loan structure.
- Friends cannot be co-applicants unless they are coming in the capacity of partners, directors, or shareholders.
Having all these documents ready can speed up your commercial lending application, whether you’re applying for business lending, seeking commercial financing, or exploring tailored solutions through commercial banking services:
Our Happy Clients
Our Trusted Lending Partners
We collaborate with leading banks and financial institutions to provide the most competitive commercial lending solutions:
✔ SBI – Trusted for secure and reliable commercial banking services.
✔ HDFC Bank – Offering competitive interest rates for commercial financing.
✔ ICICI Bank – Preferred for flexible commercial loan options tailored to business needs.
✔ Axis Bank – Known for streamlined processing and business-friendly repayment plans.
✔ And Many Partners in Kolkata – Specialized in commercial lending and private financing solutions.
With our strong network, we ensure businesses receive the best commercial loan deals with easy processing and expert guidance.
FAQ
Solve your doubts with these Frequently Asked Questions that our clients asked.
A business loan against property is a secured loan that allows business owners to pledge their property as collateral. It offers competitive interest rates and higher loan amounts compared to unsecured loans, making it an ideal choice for funding business growth.
In a mortgage loan against property, you provide your property as collateral to obtain a loan. This not only secures the lender but also enables you to receive funds at lower interest rates. It is a preferred option if you are considering a business loan against property or require finance against property for expansion.
A secured loan against property requires collateral and typically offers lower interest rates. An od loan against property (overdraft facility) allows you to withdraw funds as needed, up to a predetermined limit. Both options are available based on your needs and financial situation.
Yes, some banks offer options even if you have limited income proof. However, a clear property title and a decent credit history are essential. For instance, many choose a loan against property for business when traditional income proofs are challenging.
Absolutely. We offer tailored services like a property mortgage loan in kolkata and loan against property private finance in kolkata to cater to local businesses and property owners who need specialized support.
Generally, you’ll need KYC documents, property papers, financial statements, and income proof. The exact list may vary depending on whether you’re applying for a business loan against property or another variant like a mortgage loan against property.
Generally, you’ll need KYC documents, property papers, financial statements, and income proof. The exact list may vary depending on whether you’re applying for a business loan against property or another variant like a mortgage loan against property.
Our streamlined process ensures that once you submit all necessary documentation, your loan can be approved in as little as 7–10 working days. Fast disbursement is one of our key promises for every secured loan against property.
Yes, prepayment options are available. However, terms vary based on whether it’s a standard bank loan against property or another product. We advise reviewing your loan agreement for details.
What We Do
At CreditCares, we specialize in commercial lending, providing businesses with seamless access to funding solutions. As a trusted name in commercial financing, we simplify the borrowing process, ensuring businesses secure the best financial support for growth.
Our expert team helps businesses navigate commercial banking services, offering customized loan options tailored to various financial needs. Whether you require a commercial loan for expansion, working capital, or asset purchase, we ensure competitive rates and flexible terms.
With our strong lender network and industry expertise, we streamline the process—handling everything from loan structuring to final approval. Choose CreditCares for reliable commercial lending solutions that empower your business.