Secured Business Loan
High-value secured funding for self-employed professionals and business owners.
AtViksit Capital, We Help You Unlock the True Value of Your Property
Viksit Capital specializes in Loan Against Property (LAP) solutions designed to give you high-value funding with lower interest rates.
We help homeowners and business owners access funds quickly with a simple, transparent, and secure process.
Product Overview
Viksit Capital offers Secured Business Loans designed to supportsmall business owners, professionals, and salaried individualsin meeting their financial needs such as:
Working capital requirements
Business expansion
Purchase of business assets
Debt consolidation / balance transfer
Other legitimate business purposes
Secured Business Loan – Salaried
LAP solutions tailored for salaried borrowers with stable income.
Key Features of the Loan
Loan Amount
₹5 lakh to ₹25 lakh
Tenure
3 to 12 years
Repayment Mode
Monthly EMIs
Repayment Method
NACH / Bank Cheque
Interest Rate (ROI)
15-20%
Security
Residential/Commercial property
Customer Eligibility Criteria
Eligible Customer Segments
Self-Employed Non-Professionals (SENP)
Self-Employed Professionals (SEP)
Salaried individuals (for specific LAP product)
Accepted Borrower Types
Individuals
Proprietorship Firms
Partnership Firms (Maximum 2 Partners)
(HUF, Trusts, and certain entities are not eligible)
Basic Eligibility Conditions
Age (Applicant)
25 to 60 years
Age (Co-Applicant)
19 to 65 years
Nationality
Resident Indian
CIBIL Score
≥ 650 or New-to-Credit (NTC)
Business Vintage
Minimum 2 years
Residence Stability
Minimum 3 years if rented
Business Continuity
Minimum 1 year at current premises
Employment/Income Criteria
For Self-Employed
- Business must be running for≥ 2 years
- Income assessed through bank statements, business activity, and field verification
For Salaried
- Minimum monthly income :₹20,000
- Minimum employment stability :2 years
- Salary must be credited in bank account
Collateral Requirements
Accepted collateral includes:
Residential Property
Commercial Property
Additional Income Consideration
Additional income may be included subject to conditions:
Salary income (co-applicant)
Supported by salary slips & bank credits
Rental income
Up to 100% (if bank credited)
Agricultural income
Up to 25% of main income
Pension income
Eligible with proof
Loan Usage (End Use)
Loan can be used for:
Business expansion
Asset purchase
Debt consolidation
Any legitimate business purpose
Working capital
Not allowed for:
Speculative activities
Illegal purposes
Contact & Application
For more information or to apply:
