LAP Top-Up Finance.
As property value appreciates or an existing LAP is serviced well, there's often room for a top-up — additional capital raised against the same property without a completely fresh loan.
Additional Capital · Property Value Appreciation · Existing Loan Enhancement
Where This Applies
- Property value has appreciated since the existing loan against property was sanctioned.
- The existing loan has been serviced well, strengthening the case for a top-up.
- Additional capital is needed without disturbing the existing loan structure.
- Headroom exists between current property value and the outstanding loan balance.
How We Approach It
We reassess current property value and the existing loan's outstanding balance and repayment track record to identify genuine top-up headroom, structuring the additional capital as an extension.
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 an LAP top-up?
An LAP top-up raises additional capital against an existing loan against property, typically once property value has appreciated or the loan has been serviced well.
When can I top up my LAP?
A top-up is typically possible once property appreciation or a clean repayment track record creates headroom over the outstanding loan balance.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
Raise More Against the Same Property.
We assess headroom in your existing loan against property.
Discuss an LAP Top-Up