Every business reaches a stage where the next opportunity calls for the right financial solution. From expanding operations, strengthening working capital and investing in business growth to funding your child’s education, a wedding or other significant personal expenses, our Secured Business Loan, offered through Loan Against Property, enables you to unlock the value of your residential, commercial or industrial property and access financing tailored to your needs.
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
|
| Monthly Income |
Salaried Individuals: Minimum monthly income of ₹20,000.
Self-Employed Individuals: Minimum annual income of ₹3 lakh.
|
| Employment |
Salaried Individuals: Minimum work experience of 2 years.
Self-Employed Individuals: Minimum business vintage of 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)* |
*Subject to PFL’s applicable eligibility and credit assessment criteria.
Aadhaar Card, PAN Card, address proof, photographs and other valid KYC documents.
Latest 3 months’ salary slips, Form 16/ITR, 6 months’ bank statements, and employment proof.
2 years’ ITR, GST returns, business ownership proof, 1 year’s bank statements, and other financial documents.
Agreement to sell/allotment letter, title documents, sale deed, approved building plan, property tax receipts, NOCs and other applicable property documents.
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.
Hear from our customers as they share their experience with PFL.
My experience with PFL has been very good. The loan process was smooth and the team guided me throughout, providing timely support at every stage. I truly appreciate the quality of service and assistance provided by PFL.
We applied for a loan with Pink City Finance. Our loan was processed within 15 days, and the approved loan amount was credited to my account immediately.
The staff was courteous and supportive throughout the process. I would recommend the company to others.
The services provided by Pink City Finance are very good. The rate of interest and fees were also favorable, considering the nature of my business.
My experience with PFL has been highly satisfactory. The loan process was smooth, transparent and efficiently managed from start to finish.
The PFL team was professional and supportive, offering clear guidance at every stage. I appreciate their prompt service and would be happy to recommend PFL to others.
My experience with PFL has been excellent. The loan process was smooth and completed promptly, with the amount credited without delay. The team provided excellent support throughout, making the overall experience seamless.
A Loan Against Property allows individuals and business owners to access funds by pledging their residential or commercial property as collateral while retaining ownership of the property. The loan can be used to support business requirements, such as expansion and working capital, or personal needs, such as education, weddings and other significant expenses, subject to the applicable terms and conditions.
Both salaried and self-employed individuals can apply for a Loan Against Property, subject to the applicable eligibility criteria. Self-employed applicants may include business owners and professionals operating as proprietors, partners or through eligible business entities.
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.