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Secured Business Loan

Secured Business Loan is meticulously crafted to meet the credit needs of diverse trade, commercial activities, and various general business professions. It is a tailored financial solution designed to meet the unique needs of small and medium-sized enterprises which will help them to grow.

  • Amount

    3 Lakhs - 25 Lakhs

  • Tenure

    12 months – 180 months

  • Rate of Interest (ROI)

    Minimum 13%

  • Rate of Interest (ROI)

    Maximum 24%

  • Annual Percentage Rate (APR)

    Minimum 14.25%

  • Annual Percentage Rate (APR)

    Maximum 35%

Secured Business Loan EMI Calculator

Loan amount

₹
₹75,000 ₹35,00,000

Loan duration

1 Years 6 Years

Loan duration

12 Months 72 Months

Rate of interest

%
10% p.a 19% p.a

Monthly EMI

  • Total Amount Payable

    0*

  • Total Interest Payable

    0*

Total Amount Payable

Total Interest Payable

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Disclaimer: The aforementioned values, calculations and results are for illustrative and informational purposes only and may vary basis various parameters laid down by Tata Capital.

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Features of Secured Business Loan

  • Long Tenure Loans – – You can select tenure up to 180 months as per your comfort.
  • Simple documentation – Your loan will be approved with minimum documentation.
  • Attractive interest rates – We offer competitive interest rates to help you with get the best rate in market.
  • Fast approval - You can apply for a Secured Business Loan and get the finances in your bank account with minimum delay. We ensure a swift disbursal process.

Purpose of taking Secured Business Loan

  • To meet the credit needs of trade, commercial activities, other general business profession as also for their bona fide requirements.
  • To undertake repairs, renovation, extension of the existing business unit
  • To meet the working capital requirements of the existing business
  • For purchase of machineries and equipment
  • Consolidation of existing debts

Required Documents for Secured Business Loan

  • KYC’s of Applicant and Co applicant
  • Business Stability Proof
  • Ownership Proof
  • Office Address Proof
  • All legal papers of Collateral Property as required for legal report & valuation

Secured Business Loan Eligibility Criteria

Assessment method can be basis any of the below:-

  • Basis Pucca Bills/ Kachha Bills/Register/Notebooks
  • Basis ITR/GST/Bank Statement

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FAQ’s on Secured Secured Business Loan

What is the maximum loan amount I can get in Secured Business Loan?

With a secured business loan, you can get a loan amount starting from Rs. 3 lakhs to Rs. 25 lakhs. The exact amount depends on the value of your property and your ability to repay the loan. Tata Capital’s secured business loan is designed for people who need smaller loans and want to use their property as security.

Who can be the co-applicant for my Secured Business Loan?

    • Co-applicants are required in all cases. All individuals and non-individuals whose incomes have been considered should be co-applicants to the loan.

    • Owners and legal heirs of the collateral.

    • Immediate family members such as parents, spouse, and major children (daughters and sisters excluded) will be considered co-applicants.

    • A maximum of 5 co-applicants can be accepted for a loan.

    • The spouse must be taken as a co-applicant if the applicant is married.

What are the minimum and maximum Loan Tenor offered in Secured Business Loan?

Tata Capital offers flexible repayment options for secured business loan. The loan tenure can range from a minimum of 12 months to a maximum of 180 months (15 years), allowing you to choose a repayment period that aligns with your financial planning.

What if my loan is rejected?

At Tata Capital, we follow simple eligibility norms and require minimal paperwork to ensure a smooth application process. If your secured business loan is not approved, no need to worry, because our team will help you understand the reason and guide you on the next steps. You can reapply with updated documents or choose an alternate loan option better suited to your profile.

Can I get a Secured Business Loan without a salary slip?

While a salary slip is a common form of income verification, if you cannot provide one, please get in touch with our team. We’ll offer flexible assessment methods and can consider alternative proofs of income.

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