Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026
Mortgage your commercial property, keep the business running.
Raise large-ticket capital against tenanted or self-occupied commercial assets — offices, shops, warehouses — without selling or vacating.
Commercial equity is meant to be worked
A commercial mortgage advances 55–65% of the surveyor-assessed value of the property. End use is flexible — expansion, working capital, consolidation — and possession stays entirely with you.
Pricing depends on asset quality, occupancy and your cash flows. Tenanted assets with strong occupiers price sharper; consider Lease Rental Discounting where a registered lease exists.
Who is eligible?
- Owner of commercial property with clear, marketable title
- Business owners, professionals, firms & companies
- Demonstrable income servicing the proposed EMI
- CIBIL 650+ (700+ for bank pricing)
- Property compliant with sanctioned plan
Documents you'll need
- Title deed chain & sale deed
- Sanctioned plan + occupancy certificate
- Encumbrance certificate (13–30 years)
- 3 years' financials, ITR & GST returns
- 12 months' bank statements
Own commercial property with idle equity? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.
Check your eligibility