Secured Business Loans — Matched to the Right Lender
From Loan Against Property to Project Finance, CreditCares compares 50+ banks and NBFCs so your collateral works as hard as possible for your business.
- ✓ 8 secured loan types — one advisor, one comparison
- ✓ Loan amounts from ₹50 Lakh to ₹500 Crore
- ✓ Interest rates from 8.85%* p.a. (lender and profile dependent)
- ✓ Eligibility check in 60 seconds — zero credit score impact
Apply for a Secured Business Loan
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Chat on WhatsAppWhat is a secured business loan?
A secured business loan is a credit facility backed by collateral, such as property, machinery, lease rental income, or shares. Because the lender holds a legal charge on a physical asset, secured loans offer significantly lower interest rates, higher loan amounts, and longer repayment tenures than unsecured borrowing. This makes them the most cost-effective choice for established businesses.
Why Choose a Secured Loan?
When a lender asks for collateral, they reduce their lending risk—and pass those savings directly to you in the form of lower interest rates. For example, the same ₹2 Crore you might borrow unsecured at 18–20% per annum can typically be borrowed against property at 9–11% per annum. On a five-year loan, that difference equals several lakhs in saved interest.
Secured loans also unlock significantly larger capital. While an unsecured business loan rarely exceeds ₹5–7 Crore, a Loan Against Property or a Project Finance facility can reach ₹50 Crore and ₹500 Crore, respectively.
The eight secured loan types arranged by CreditCares are not one-size-fits-all. Each is designed for a specific combination of collateral, business situation, and repayment structure. The right choice depends on the assets you hold, how you plan to use the funds, and your ideal repayment timeline. Use the comparison below to identify your best fit before applying.
8 types of secured business loans we arrange
Each loan type below is matched to a specific asset class and business need. Click any product to see full eligibility criteria, required documents, and a step-by-step process.
Loan Against Property (LAP) 🏢
Best for business owners with owned residential, commercial, or industrial property.
- Loan Amount: ₹1 Crore – ₹50 Crore
- Tenure: Up to 15 years
- Rate: From 8.85% p.a.*
Commercial Property Loan 🏗️
Best for buying, constructing, or renovating a commercial office, retail space, or warehouse.
- Loan Amount: ₹1 Crore – ₹50 Crore
- Tenure: Up to 20 years
- Rate: From 9% p.a.*
Machinery & Equipment Loan ⚙️
Best for manufacturers buying CNC machines, packaging lines, printing presses, or industrial equipment.
- Loan Amount: ₹50 Lakh – ₹50 Crore
- Tenure: Up to 7 years
- Rate: From 10% p.a.*
Lease Rental Discounting (LRD) 📋
Best for property owners with long-term commercial tenants (banks, MNCs, government offices).
- Loan Amount: Based on discounted rental income
- Tenure: Up to 10 years (co-terminus with lease)
- Rate: From 9% p.a.*
Project Finance 🏭
Best for new factories, hospitals, hotels, infrastructure projects, and greenfield ventures.
- Loan Amount: ₹5 Crore – ₹500 Crore
- Tenure: Up to 15 years (with construction moratorium)
- Rate: From 10.5% p.a.*
Term Loan 📊
Best for capital expenditure, business expansion, or purchasing commercial vehicles.
- Loan Amount: ₹1 Crore – ₹100 Crore
- Tenure: 1–10 years
- Rate: From 10% p.a.*
Balance Transfer & Top-Up 🔄
Best for businesses currently paying above-market rates on existing secured loans.
- Loan Amount: Outstanding balance + top-up
- Tenure: Per new lender terms
- Rate: From 8.85% p.a.* (typically saving 1–3% vs. current)
Promoter Funding 👤
Best for promoters or directors needing personal liquidity without disturbing company finances.
- Loan Amount: ₹1 Crore – ₹50 Crore
- Tenure: Up to 5 years
- Rate: From 10.5% p.a.*
Disclaimer: Interest rates are indicative and depend on the lender, credit profile, collateral type, and business turnover. Confirm current rates with your CreditCares advisor.*
Compare all secured business loan types at a glance
| Loan Type | Best Collateral | Max Loan | Max Tenure | Rate Range | End-Use |
|---|---|---|---|---|---|
| Loan Against Property | Residential, Commercial, or Industrial property | ₹50 Crore | 15 years | 8.85–11.5% | Any business purpose |
| Commercial Property Loan | Property being purchased | ₹50 Crore | 20 years | 9–11.5% | Property acquisition only |
| Machinery & Equipment | Machinery/equipment being purchased | ₹50 Crore | 7 years | 10–13% | Asset purchase only |
| Lease Rental Discounting | Leased commercial property | Rental-based | 10 years | 9–10.5% | Any business purpose |
| Project Finance | Project assets + promoter guarantee | ₹500 Crore | 15 years | 10.5–13% | New project/expansion |
| Term Loan | Property, machinery, or business assets | ₹100 Crore | 10 years | 10–13% | CapEx or expansion |
| Balance Transfer & Top-Up | Existing mortgaged property/asset | Existing + top-up | Per lender | 8.85% onward | Rate reduction + fresh funds |
| Promoter Funding | Promoter shares or personal property | ₹50 Crore | 5 years | 10.5–13% | Personal use/promoter needs |
Who can apply for a secured business loan?
CreditCares arranges secured loans for businesses across all structures and sectors. The baseline requirement is ownership of an eligible asset and a business with a demonstrable repayment history.
- Proprietorships & Partnerships: Small businesses with owned property or machinery seeking structured, long-tenure funding at lower rates.
- Private Limited Companies & LLPs: Registered companies with balance sheet strength, seeking large-ticket loans for capital expenditure or expansion.
- Manufacturers & Industrial Units: Factories, foundries, fabrication units, and processing plants needing asset-based finance for equipment.
- Real Estate Developers: Builders with land or partially constructed assets seeking project-specific structured finance.
- Property-Owning Traders & Service Businesses: Businesses using owned commercial or residential property to unlock working capital.
- Promoters & Directors of Corporates: Individuals seeking personal liquidity against shareholdings or personal property without impacting company liabilities.
How to get a secured business loan through CreditCares
Check Eligibility (60 Seconds)
Fill out our quick online form with basic details, including your required loan amount, business type, and estimated asset value. There is zero impact on your credit score at this stage.
Get Your Free Loan Comparison
Our advisors identify which of the 8 secured loan types fits your collateral and business profile. We then compare offers across 50+ banks and NBFCs, showing you rates, tenures, and processing fees side-by-side.
Choose Your Loan Type and Lender
Pick the option that works best for your situation. Our advisors will walk you through every term, including prepayment clauses and processing fee structures, before you commit.
Submit Documents
Share documents digitally or via doorstep pickup. Our team performs a pre-submission review to catch gaps before they reach the lender, reducing the back-and-forth that often delays approvals.
Collateral Valuation & Legal Verification
The lender appoints an approved valuer to assess your asset and a legal team to verify the title and ownership chain. This is typically completed within 3–7 working days.
Sanction & Disbursal
Post-approval, you sign the loan agreement, and funds are credited directly to your account. The total timeline from document submission is generally 7–15 working days for most secured loan types.
Our trusted bank and NBFC partners
We work alongside India's most reputed financial institutions to secure the best business loan terms for you. Our relationships span public sector banks, private sector banks, and leading NBFCs and housing finance companies.
Public Sector Banks: SBI · Bank of Baroda · Punjab National Bank · Canara Bank · Union Bank of India · Bank of India
Private Sector Banks: HDFC Bank · ICICI Bank · Axis Bank · Kotak Mahindra Bank · Yes Bank · IndusInd Bank
NBFCs & HFCs: Bajaj Finserv · Piramal Finance · Tata Capital · L&T Finance · Shriram Finance · Aditya Birla Finance