What is a Commercial & Industrial Loan?

A Commercial & Industrial Property Loan is designed for businesses and entrepreneurs who want to purchase, construct, or expand office spaces, warehouses, factories, shops, or industrial sheds.

We connect you with lenders who specialize in commercial financing, ensuring you get the best terms, competitive interest rates, and flexible repayment options that match your business cash flow.

Key Highlights

Interest rates starting from 10% p.a.
Loan amount up to ₹50 Crore
LTV up to 65% of property value
Tenure up to 15 years
Suitable for all business types
Priority processing for high-value cases

Properties We Finance

From small shops to large industrial complexes — we have the right lender for you.

Shops & Showrooms

Retail spaces, showrooms, and commercial shops in markets and complexes.

Office Spaces

Purchase or construct corporate offices, co-working spaces, and business centres.

Warehouses & Godowns

Storage facilities, logistics warehouses, and cold storage units for businesses.

Factories & Industrial Sheds

Manufacturing units, industrial sheds, and factory premises in MIDC and approved zones.

Eligibility Criteria

Proprietors, partnership firms, Pvt. Ltd. & Ltd. companies
Minimum 3 years of business vintage
Profitable business with positive net worth
ITR filed for last 2–3 years
Good credit score (CIBIL 700+)
Property in MIDC / approved commercial zone

Documents Required

Business KYC: GST, MSME, ROC documents
Promoter KYC: Aadhaar, PAN
Last 3 years ITR with financials
Bank statements: Last 12 months
Property Documents: Title deed, approved plan
Sanction letter (if applicable)

Commercial Loan — FAQs

Key questions about financing commercial and industrial properties.

Who is eligible for a commercial property loan?

Proprietors, partnership firms, LLPs, Private Limited and Limited companies with a minimum of 3 years of business vintage and a positive net worth are eligible. Good credit score and ITR filing for at least 2 years is required.

What is the maximum LTV ratio for commercial property?

Most lenders offer up to 65% of the market value of the commercial property. Industrial properties in MIDC or approved zones may get up to 60% LTV depending on the lender's policy.

Can I get a loan for an under-construction commercial property?

Yes. Select lenders offer loans for under-construction commercial properties with funds disbursed in stages as construction progresses. An approved building plan and RERA registration (where applicable) are required.

What is the typical tenure for a commercial property loan?

Commercial property loans typically come with a tenure of up to 15 years. The exact tenure depends on the borrower's age, cash flow, and the lender's policy for that specific property type.

Are special rates available for MSME-registered businesses?

Yes. Several banks and NBFCs offer preferential interest rates and relaxed eligibility norms for MSME-registered businesses. Our team will identify the best lender match based on your MSME registration category.

Commercial & Industrial Property Financing