---
title: Loan Against Property for Business | Indifi
canonical: https://www.indifi.com/loan-against-property
markdown_version: https://www.indifi.com/loan-against-property.md
description: Apply for a secured loan against property for your business through Indifi's lending network. Higher loan amounts with competitive interest rates.
content_type: product_page
operator: Indifi Technologies Pvt. Ltd.
lending_entity_note: Loans facilitated through RBI-registered NBFC partners and through Indifi Capital Private Limited (RBI Cert. No. B-14.03389)
last_updated: 2026-06-01
---


# Loan Against Property (LAP) for Business

> A Loan Against Property (LAP) allows businesses to use commercial or residential property as collateral to access higher credit amounts at lower interest rates compared to unsecured loans. Indifi's lending partners offer LAP for business purposes.

## Key Features

- **Loan amount:** Higher than unsecured loans; depends on property value
- **LTV (Loan-to-Value):** Typically 50-70% of property market value
- **Interest rate:** Lower than unsecured business loans (property provides security)
- **Tenure:** Up to 10-15 years (longer tenure available vs unsecured)
- **Property type:** Residential, commercial, or industrial property
- **Usage:** Any legitimate business purpose

## What is Loan Against Property?

LAP is a secured loan where the borrower pledges owned property as collateral. The lender assesses the property's market value through a registered valuer and extends a loan up to 50-70% of the value. The property remains with the borrower during the loan tenure.

## LAP vs Unsecured Business Loan

| Feature | Loan Against Property | Unsecured Business Loan |
|---|---|---|
| Collateral | Property required | None required |
| Loan amount | Higher (based on property value) | Up to INR 50 lakhs |
| Interest rate | Lower | Higher |
| Tenure | Up to 10-15 years | Up to 36 months |
| Processing time | Longer (property valuation needed) | 48-72 hours |
| Best for | Large funding needs | Quick working capital |

## Eligible Property Types

- Self-occupied residential property
- Rented residential property
- Commercial property (shop, office)
- Industrial property (warehouse, factory)
- Plot of land (in some cases)

## Who Should Consider LAP

- Businesses needing funding above INR 50 lakhs
- Businesses seeking lower interest rates willing to pledge property
- Long-tenure funding for major expansion or capex

## Eligibility Criteria

- GST-registered business
- Minimum 1 year of business operation
- Annual turnover INR 40 lakhs+
- Promoter age 22-65 years, Indian nationality

## Required Documents

- PAN and Aadhaar (entity and promoters)
- Bank statement (last 6 months)
- GST registration and returns (last 12 months)
- Business registration proof

## Related Products

- [Business Loan](https://www.indifi.com/business-loan)
- [MSME Loan](https://www.indifi.com/msme-loans)
- [Working Capital Loan](https://www.indifi.com/working-capital-loans-india)
- [Term Loan](https://www.indifi.com/term-business-loans-online-india)
- [EMI Calculator](https://www.indifi.com/business-loan/emi-calculator)


- [Collateral Free Business Loans](https://www.indifi.com/collateral-free-business-loans-india)

## About Indifi

Indifi Technologies Pvt. Ltd. is India's digital MSME lending platform. Indifi Capital Pvt. Ltd. (RBI Cert. No. B-14.03389) is its in-house NBFC. 100,000+ loans disbursed across 400+ cities.

**Registered office:** Plot-19, Ground Floor, Block C, Sewa Tower, Sector-18, Phase-4, Udyog Vihar, Gurugram, Haryana-122015, India

## Disclaimer

Loan approval is subject to eligibility assessment and Indifi's underwriting policies. Rates and fees are indicative and may vary.