LAP for Working Capital.
A loan against property can fund a business's working capital needs, using an owned asset as security rather than relying solely on stock-and-receivables-based facilities.
Property-Backed Working Capital · Operating Cycle Funding · Flexible Structure
Where This Applies
- Working capital needs can be funded using an owned property as security.
- Stock-and-receivables-based facilities alone may not fully cover the business's requirement.
- An owned property is available to secure additional working capital.
- The facility needs to fit the business's actual operating cycle, not just eligibility.
How We Approach It
We review the business's operating cycle and the owned property's value together, structuring an LAP facility that supports genuine working capital needs alongside, or instead of, stock-and-receivables-based facilities.
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 LAP be used for working capital?
Yes — a loan against property can fund a business's working capital needs, using an owned asset as security alongside or instead of stock-and-receivables facilities.
Is LAP better than a cash credit facility for working capital?
It depends on the business — LAP can offer a larger quantum and simpler structure, while cash credit tracks the operating cycle more closely; the two are often used together.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
Fund the Operating Cycle Against Owned Property.
We structure the loan to genuinely support your working capital cycle.
Discuss LAP for Working Capital