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.
Loan Against Property (LAP)
Unlock capital from residential, commercial or industrial property — 8.50%–14% p.a., up to 20-year tenure.
Check eligibility →Term Loan for Expansion
Structured capex funding for factory expansion, new lines and acquisitions.
Check eligibility →Working Capital · CC & OD
Cash credit and overdraft limits sized to your inventory and receivables cycle.
Check eligibility →Machinery & Equipment Loan
Finance new or used plant & machinery — imported or domestic — against the asset itself.
Check eligibility →Commercial Property Purchase
Buy office, retail or industrial premises with structured commercial mortgages.
Check eligibility →Lease Rental Discounting
Convert future lease rentals from tenanted property into upfront capital.
Check eligibility →Project & Construction Finance
Milestone-linked funding for developers and contractors, from land to completion.
Check eligibility →Promoter & Bridge Funding
Structured facilities for promoter groups — bridge, mezzanine and special situations.
Check eligibility →Balance Transfer & Top-Up
Refinance an expensive facility at a sharper rate — and raise extra capital on top.
Check eligibility →Trade · Export · LC & BG
Letters of credit, bank guarantees and export finance for traders and contractors.
Check eligibility →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.
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.
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 |
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.
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.
Tell us what you need. We'll do the running around.
Share a few details and a CreditCares expert will call you back to map your eligibility and shortlist the right lenders — at no cost.