Commercial Property LAP.
A loan against a commercial property unlocks capital against an owned office, retail or business asset, structured around the property's valuation and the borrower's repayment capacity.
Commercial Asset-Backed Capital · LTV Structuring · Flexible End-Use
Where This Applies
- An owned commercial property — office, retail or business premises — can be pledged as security.
- Whether the property is self-occupied or leased affects how the loan is structured.
- Capital is needed for business expansion, working capital or other purposes.
- Clean title and valuation need to be established before a lender will proceed.
How We Approach It
We review the commercial property's valuation, occupancy status and title before structuring a loan against property, matching loan-to-value and tenor to the borrower's repayment capacity.
Why EquiFin
- Independent advisory — we structure and negotiate, we do not lend ourselves.
- 60+ active lender relationships across PSU banks, private banks, NBFCs and private credit funds.
- One point of contact from structuring through to disbursement.
Frequently Asked Questions
What is commercial property LAP?
Commercial property LAP unlocks capital against an owned commercial asset — office, retail or business premises — structured against valuation and repayment capacity.
Does the property need to be self-occupied for commercial property LAP?
No — both self-occupied and leased commercial properties can typically be considered, though occupancy status affects how the loan is structured.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
Unlock Capital From Owned Commercial Property.
We structure the loan against the property's genuine market value.
Discuss Commercial Property LAP