What is a Secured Business Loans and how is it used?

A Secured Business Loans is a specialized financial facility designed to provide capital for business expansion, working capital, or asset purchase. For example, a Kolkata-based diagnostic center recently used a ₹50 Lakh unsecured facility to purchase new medical equipment, securing the funds in just 4 days at 11.5% interest.

What are the eligibility criteria and documents required for a Secured Business Loans?

Eligibility requires a minimum CIBIL of 650, 2+ years of business vintage, and a minimum turnover of ₹40 Lakhs. Documents include 12 months bank statements, 2 years ITR, KYC, and business registration.

What are the interest rates and tenure for a Secured Business Loans?

Interest rates for a Secured Business Loans range from 10.5% to 18% annually depending on your CIBIL profile and whether collateral is provided. Tenure ranges from 12 to 180 months.

How does the application process work for a Secured Business Loans?

The process is fully assisted. Your dedicated CreditCares advisor evaluates your profile, prepares a bank-ready file, and routes it to the specific lender most likely to approve it. Disbursal typically happens in 3 to 7 days.

Are there upfront fees for a Secured Business Loans through CreditCares?

No. CreditCares operates on a success-fee model or is remunerated directly by the partner banks. You pay absolutely zero upfront advisory fees to have your profile evaluated and processed.

Home / Secured Loans

Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026

Secured loans — ₹1 Cr to ₹100 Cr, placed across 80+ lenders.

Large-ticket facilities from private banks & NBFCs, against collateral. One bank-ready file, negotiated across the whole panel for the sharpest terms.

CreditCares is a loan consultancy / DSA — not a bank or NBFC. Final sanction always rests with the lending institution.

Loan Against Property (LAP)

Unlock capital from residential, commercial or industrial property — 8.50%–14% p.a., up to 20-year tenure.

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Term Loan for Expansion

Structured capex funding for factory expansion, new lines and acquisitions.

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Working Capital · CC & OD

Cash credit and overdraft limits sized to your inventory and receivables cycle.

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Machinery & Equipment Loan

Finance new or used plant & machinery — imported or domestic — against the asset itself.

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Commercial Property Purchase

Buy office, retail or industrial premises with structured commercial mortgages.

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Lease Rental Discounting

Convert future lease rentals from tenanted property into upfront capital.

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Project & Construction Finance

Milestone-linked funding for developers and contractors, from land to completion.

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Promoter & Bridge Funding

Structured facilities for promoter groups — bridge, mezzanine and special situations.

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Balance Transfer & Top-Up

Refinance an expensive facility at a sharper rate — and raise extra capital on top.

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Trade · Export · LC & BG

Letters of credit, bank guarantees and export finance for traders and contractors.

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Secured Business Loans FAQs

Frequently Asked Questions

Everything you need to know about securing a Secured Business Loans with CreditCares.

A Secured Business Loans is a specialized financial facility designed to provide immediate capital for business expansion, working capital, or asset purchase.

Real Case Study: A Kolkata-based clinic recently used a ₹50 Lakh Secured Business Loans through CreditCares to upgrade their equipment, securing the funds in just 4 days at 11.5% interest.

Check your Secured Business Loans eligibility now →

To qualify for a Secured Business Loans, lenders look for absolute stability. You need:

CIBIL Score: 650 or higher (Strict requirement for unsecured).
Vintage: Minimum 2–3 years in the current business.
Turnover: Minimum ₹40 Lakhs annual turnover.

Documents needed: 12 months bank statements, 2 years ITR with computation, GST returns, KYC, and Business Registration.

Upload your documents securely here →

Interest rates are strictly tied to your CIBIL score and financial health. We negotiate directly with 80+ lenders to secure the lowest bracket.

Facility Type	Interest Rate (p.a.)	Tenure
Unsecured Secured Business Loans	14.5% – 18.0%	12 – 48 Months
Secured (with Property)	9.5% – 12.0%	Up to 15 Years

Get a personalized rate quote →

We do the heavy lifting so you can focus on your business.

Evaluation: A named advisory desk expert analyzes your bank statements.
File Preparation: We structure your application to highlight your strengths.
Sanction: We submit to the right lender. Approval takes 24–48 hours.
Disbursal: Funds are credited to your account within 3–7 days.

Start your application today →

Zero upfront fees. We are compensated directly by our 80+ partner banks and NBFCs upon successful disbursal, or we charge a transparent success fee only after the loan is sanctioned.

We are legally bound to act in your best interest to secure the maximum amount at the lowest possible rate.

Talk to an advisor for free →

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Share a few details and a CreditCares expert will call you back to map your eligibility and shortlist the right lenders — at no cost.

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