Loan Against Commercial Property Up to ₹25 Cr

A Corporate Loan Against Property is a secured lending facility where a business mortgages its industrial or commercial real estate to raise capital for expansion, machinery purchase, or working capital needs. It allows promoters to unlock the latent value of their fixed assets without diluting equity. At Credlix, we offer structured underwriting that considers the business’s cash flow and growth potential, providing loan amounts up to ₹25 Crore.

It is important to note that LAP and LRD are distinct financial products with different eligibility criteria. A Loan Against Property is based on the current market value of your property and your business’s overall repayment capacity. Lease Rental Discounting, on the other hand, is a specialized variant underwritten primarily on the strength of a fixed rental income stream from a corporate tenant. While Credlix provides both under our corporate mortgage suite, the choice depends on whether the asset is owner-occupied (LAP) or leased to a third party (LRD).

Credlix accepts a wide variety of income-generating and owner-occupied assets across India, including industrial sheds, manufacturing units, warehouses, commercial office buildings, retail shops, and even partially vacant properties. The property must be litigation-free and have a clear title, though we specialize in handling the complex documentation often associated with industrial assets that traditional banks may reject.

Yes. Credlix facilitates promoter funding where personal or company-owned assets serve as collateral for business-related loans. Both the entity and the promoters can be applicants, allowing for a higher eligibility based on the combined income profile. This is an ideal solution for manufacturers looking to raise high-value capital for plant expansion or debt consolidation.

Traditional bank mortgage approvals are notoriously slow, often taking 30 to 60 days due to bureaucratic valuation and legal verification stages. Credlix’s digital-first underwriting and specialized understanding of industrial assets allow us to issue a sanction letter within 5 to 10 working days. Final disbursement typically occurs in 15 to 20 days, ensuring that growth opportunities are not lost to financing delays.