LAP for Self-Employed Professionals.
Self-employed individuals and professionals often don't fit standard salaried-income lending criteria — LAP structured around owned property and actual income gives an alternative path to capital.
Non-Salaried Borrowers · Property-Backed Capital · Income Assessment
Where This Applies
- Standard salaried-income criteria don't reflect a self-employed individual's genuine repayment capacity.
- An owned property is available to secure the loan.
- Actual business or professional income needs proper assessment, not just declared income.
- Capital is needed for business, professional practice or personal purposes.
How We Approach It
We assess actual business or professional income alongside the owned property's value, structuring an LAP facility that reflects genuine repayment capacity rather than standard salaried-income underwriting.
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
Can self-employed individuals get LAP?
Yes — LAP for self-employed borrowers is structured around actual business or professional income alongside the owned property's value.
What income proof is needed for self-employed LAP?
Lenders typically assess business financials, bank statements and tax filings to establish genuine income, rather than relying on a standard salary structure.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
A Path to Capital Built Around Your Actual Income.
We structure the loan around property value and genuine cash flows.
Discuss LAP as a Self-Employed Borrower