Loan Against Property
Unlock funds against commercial or residential property you own — typically larger loan amounts, longer tenures and lower interest rates than unsecured options.
For business owners with property assets seeking larger, longer-term funding
If you own commercial or residential property and need a substantial loan amount for expansion, consolidation or any major business need, LAP often offers better terms than unsecured loans.
Do you qualify?
- Clear, marketable title to the property
- Property located in an area covered by lender policy
- Reasonable loan-to-value ratio based on property valuation
- Stable income or business cash flow to service the loan
What you'll need to send
Send these directly on WhatsApp — one by one or all together. We'll let you know what's verified and what's still pending as you go.
- Property title documents
- Aadhaar & PAN card
- Property tax receipts
- Bank statements (last 6 months)
- Income tax returns (last 2–3 years)
- Business financials (if applicable)
Why apply for this through Ikaya
Lower interest rates
Because the loan is secured, rates are typically more favourable than unsecured business loans.
Higher loan amounts
Property-backed loans can fund significantly larger needs than unsecured products.
Longer repayment tenure
Extended tenures mean smaller EMIs relative to the loan size.
Common questions
Can I use residential property for a business loan against property?
Yes, many lenders accept residential property as collateral for business-purpose LAP, subject to valuation and policy.
How is the loan amount determined?
It's based on the property's market valuation and the lender's loan-to-value (LTV) policy, combined with your income/cash flow assessment.
Ready to check what you're eligible for?
Send your business details on WhatsApp — get an estimate in minutes.
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