LAP Refinance.
An existing loan against property sometimes needs a genuine restructure — not just a lender switch — when the borrower's financial position or the property itself has changed materially.
Debt Restructuring · Property Reassessment · Tenor Realignment
Where This Applies
- The borrower's financial position has changed materially since the loan was first structured.
- The property's value or occupancy has changed and needs to be reflected in the loan.
- The existing loan structure no longer fits the borrower's current situation.
- A more comprehensive restructure is needed rather than a simple lender switch.
How We Approach It
We reassess the property's current value and the borrower's present financial position from scratch, then rebuild the loan against property — quantum, tenor, security — to reflect where things genuinely stand today.
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 LAP refinancing?
LAP refinancing restructures an existing loan against property from scratch, typically when the borrower's finances or the property itself has changed materially.
How is LAP refinance different from a balance transfer?
A balance transfer typically moves the same loan structure to a new lender, while refinancing rebuilds the loan around the borrower's current position.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
Restructure Your Loan as Circumstances Change.
We reassess the property and rebuild the loan around it.
Discuss LAP Refinancing