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care@realtouchfinance.com +91 78100 24623 Khivraj Complex I , Nandanam, Chennai - 600035
Business Growth Solutions

Secured Business Loan

Fuel your business expansion with property-backed financing. Access substantial capital at competitive rates to drive growth, manage cash flow, and seize opportunities.

5 CR

Max Loan

18%

ROI

48 - 72

Hours Approval

BENEFITS

Why Choose Our Secured Business Loan?

Leverage your property assets to unlock growth capital with favorable terms

Higher Loan Amount

Higher Loan Amount

✔ Suitable for entrepreneurs, SMEs, MSMEs, and property owners.
✔ Your eligible amount increases based on property type (residential / commercial / industrial).
✔ Helps you manage heavy-capital requirements without disturbing existing cash flow.
✔ Ideal for expansion, machinery purchase, new branches, and large inventory stocking.
✔ Higher sanction limits allow better negotiation with vendors and business partners.
✔ Get more value with top-up options without reapplying for a fresh loan.

Competitive Interest Rates

Competitive Interest Rates

✔ Attractive interest slabs designed to reduce long-term repayment burden.
✔ Lower rates ensure more savings and improved cash-flow stability.
✔ Property-backed security brings down the risk factor, giving you exclusive rates.
✔ Ideal for refinancing high-interest business loans to reduce EMI pressure.
✔ Transparent pricing without hidden charges or unnecessary add-ons.
✔ Benefit from better interest rates based on strong credit score & property valuation.

Flexible Repayment

Flexible Repayment

✔ Choose repayment schedules that suit seasonal or fluctuating business cycles.
✔ Interest-only (moratorium) periods available for specific business scenarios.
✔ Allows smooth financial planning for long-term growth and stability.
✔ EMI choices include reducing-balance and fixed-rate repayment structures.

Quick Processing

Quick Processing

✔ Dedicated relationship managers assist throughout the application process.
✔ Minimal documentation helps you avoid long paperwork delays.
✔ Quick disbursal ensures you don't miss time-sensitive business opportunities.
✔ Hassle-free coordination with legal, technical, and banking teams for smooth processing.

APPLICATIONS

How Can You Use This Loan?

Multiple ways to deploy capital for business growth

Business Expansion

Open new branches, enter new markets, or scale operations

Equipment Purchase

Acquire machinery, technology, or infrastructure assets

Working Capital

Manage inventory, payroll, and day-to-day operations

Debt Consolidation

Consolidate high-interest loans into single manageable EMI

Property Purchase

Buy commercial property or expand existing facilities

Hiring & Training

Expand workforce and invest in employee development

Business

5 Cr

Max Loan

3 Years

Max Tenure

ELIGIBILITY

Qualification Criteria

Simple requirements for business owners seeking property-backed financing

Profitability

Business should be profit-making for at least last 2 years

Credit Score

CIBIL score of 700+ for business and all promoters/directors

Property Ownership

Clear title property (residential/commercial/industrial) for collateral

Business Entity

Proprietorship, Partnership, Private Limited, or LLP registered in India

PAPERWORK

Required Documents

Keep these documents ready for quick loan processing

KYC Documents

  • PAN of business and individuals
  • Aadhaar Card of all promoters
  • Passport, Voter ID, or Driving License
  • Photograph of all applicants

Business Documents

  • Business registration certificate
  • GST registration certificate
  • Partnership deed or MOA/AOA
  • Business address proof

Financial Documents

  • Last 3 years ITR with computation
  • Audited financial statements
  • Last 6 months bank statements
  • GST returns for last 1 year

Property Documents

  • Property title deed and chain documents
  • Property tax receipts
  • Approved building plan
  • NOC from society (if applicable)

Applicant Income Proof

  • Salary slips for last 3 - 6 months
  • Form 16 or latest ITR
  • Income declaration for self-employed
  • Rental income proof (if any)

Supporting Documents

  • Loan repayment track record (if any)
  • Existing loan statements
  • Utility bills for address verification
  • Undertaking or declaration forms
TRANSPARENT PRICING

Interest Rates & Charges

No hidden fees. No surprises. Complete transparency in all our charges and terms.

Get Detailed Quote
Parameter Details
Interest Rate Up to 18.00% p.a.
Processing Fee Up to 2% of loan amount
Loan Amount ₹25 Lakhs to ₹5 Crores
Tenure 1 to 3 years
LTV Ratio Up to 50% of property value
Prepayment Charges As per the agreed loan terms
FAQ

Frequently Asked Questions

Get answers to common queries about Secured Business Loans

You can get a secured business loan ranging from ₹25 Lakhs to ₹5 Crores, depending on your business turnover, profitability, and property value (up to 50% LTV).

We accept residential, commercial, and industrial properties as collateral. The property must have a clear title and should be free from any legal disputes.

Yes, a CIBIL score of 700+ is generally required for the business entity and all promoters/directors to qualify for the best interest rates.

Once all documents are submitted and property valuation is complete, loan disbursement typically takes 7 to 10 working days.

Yes, you can foreclose the loan after 6 months. For floating rate loans, there are usually zero foreclosure charges after a lock-in period.

Ready to Grow Your Business?

Get the capital you need to take your business to the next level

Apply for Loan Now