Q1. What's the maximum loan amount that I can avail against the property?

You can avail a loan amount of up to 70% of the market value of residential property or up to 65% of the market value of commercial property. This percentage can vary based on the specific details of your property and your financial profile. For precise information, consult with our business representatives to understand your loan eligibility.

Q2. For what purposes can I avail a Loan against Property?

A loan against property can be availed for various business purposes, such as business expansion, working capital, capital equipment purchase, property loan, balance transfer of existing secured/unsecured loans, and more. If you have specific uses in mind, our team can guide you on how to best utilize this loan product, ensuring you achieve your business objectives effectively.

Q3. What's the term of the Loan against Property? Can I repay my loan before the due date?

The loan against property can be availed for a maximum tenure of up to 15 years. You have the flexibility to repay the loan before the due date, with early repayment options available. This flexibility can help manage finances more effectively and potentially save on interest costs. For details on prepayment charges, if any, please consult with our business team.

Q4. How and when will the loan amount be disbursed?

The loan amount will be disbursed directly to your operating bank account following approval from the lender. The approval process includes thorough verification of the KYCs, Banking, Income & Property documents. Our business team can provide a detailed timeline and explain each step of the disbursement process for your loan against property.

Q7. How is the value of the property determined for a secured business loan?

The value of the property used as collateral for a secured business loan is determined through a professional appraisal. A certified valuer inspects the property, assessing factors such as location, size, condition, and market trends. Comparisons with similar properties in the area provide a fair market value. This appraised value helps the lender decide the maximum loan amount you can borrow, typically offering a loan-to-value (LTV) ratio of up to 70%.

Q8. What are the interest rates and fees associated with a secured business loan?

Interest rates on secured business loans are generally lower than on unsecured loans. Rates vary based on the borrower's creditworthiness and market conditions. Additional fees may include processing fees, legal & valuation fees for document verification etc. At Arka, we do not have any hidden charges. All the charges and fees are clearly documented in the loan documentation.

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Secure Business Loans New - Summary

Secured Business Loans

Empowering your business with tailored financial solutions

Our Secured Business Loans is designed to support MSMEs and a wide range of business categories with funding that meets your working capital needs, supports expansion, and enables investments in machinery, equipment, and infrastructure.

We understand your business and its future potential—our loan officers work closely with you to determine the most suitable loan amount based on the market value of your property, against which we offer maximum finance.

Whether you're a proprietorship, partnership firm, self-employed professional, or a private/closely held company, you're eligible for our loan solutions. Enjoy competitive interest rates, quick approvals, doorstep services, minimal documentation, and fast disbursal—so you can focus on scaling your business with confidence.

Secure Business Loans New - Features & Benefits

Features & Benefits

• Loans starting from 7 Lakhs
• Secured against wide range of property
• Interest Rate starting from as low as 13%
• Flexible tenures up to 15 years

Eligibility

• Who Can Apply: Self-employed professionals/non-professionals, individuals, proprietorships, partnerships, private limited companies
• Age: Minimum 21 years
• Business Stability: Regular source of income
• Property Ownership: Mandatory

Documentation Required

• Identity and address proof of borrowers
• Income proofs
• Proof of property ownership
• Business proof documents

Secure Business Loans New - Why to partner with Arka-web content

Why Should You Choose Arka ?

• 24-hour disbursal for eligible customers
• Life Flex Loan: a one-of-a-kind feature to reduce interest by prepaying part of your EMI
• Tailor made exciting customer rewards on timely EMI payments
• Dedicated Relationship Managers for every customer
• Bespoke policies which meet the nuances of specific geography and customer requirements