Every business reaches a stage where the next opportunity calls for the right financial solution. Whether you are looking to expand operations, strengthen working capital, purchase equipment, or invest in business growth, our Secured Business Loan, offered through an MSME Loan Against Property, enables you to unlock the value of your residential, commercial, or industrial property to access financing tailored to your business requirements.
Calculate your EMI and explore repayment options in just a few clicks.
Everything you need to begin your Secured Business Loan journey starts here.
| Eligibility | Requirement |
|---|---|
| Property Ownership | Residential or commercial property ownership is mandatory |
| Age |
The borrower must meet the following age criteria:
Income Borrower: 21–65 years
Non-Income Borrower: 18–70 years
|
| Income | The borrower must have a regular source of income and meet the lender's minimum annual income requirement. |
| Business Vintage | The business must be older than 3 years |
| Credit Score | A CIBIL score of 680 or above is preferred. We also accept applications from customers with a CIBIL score of (-1)* |
Aadhaar Card, PAN Card and other valid KYC documents
Last 6 to 12 months bank statements
GST Registration and MSME Registration
Valid proof of business ownership
Property ownership documents for the collateral being offered
Every business has a different journey. That's why we believe every financial solution should begin with understanding, transparency, and a commitment to building relationships that last.
A Secured Business Loan is a loan against residential or commercial property, enabling businesses to access funds while continuing to retain ownership and use of the property.
Business owners, self-employed professionals, proprietorship firms, partnership firms, LLPs, private limited companies, and other eligible entities can apply, subject to the applicable eligibility criteria.
Residential, industrial and commercial properties that meet Pinkcity Fincap's eligibility and valuation criteria can be offered as collateral.
The loan amount is determined based on factors such as the property's value, your repayment capacity, income, and other applicable eligibility criteria.
Yes. Customers with a CIBIL score of (-1), indicating no prior credit history, are also eligible to apply.
The processing time depends on document verification, property evaluation, and the completeness of your application. Our team will keep you informed throughout the process.
You can apply online by submitting an enquiry through our website or by visiting your nearest Pinkcity Fincap branch. Our team will guide you through the next steps.