Unlock funds against a residential or commercial property you own — for business expansion, debt consolidation, or major expenses. We assess your property and match you with a suitable lender.
LTV%, interest rate and tenure depend on the lender and property — our team shares current options during your consultation.
Takes under a minute. No documents needed right now.
Generally higher than unsecured options, subject to property value.
Both property types considered.
For business, personal or consolidation needs.
Both profiles supported.
Business owners, self-employed professionals and salaried individuals who own residential or commercial property and want to unlock its value without selling it.
This is a general framework, not a guarantee of eligibility or approval.
Final checklist confirmed with you once a lender is shortlisted for your case.
Tell us about the property and your requirement.
We review the property and your profile.
We identify a suitable lender from our network.
We support you through filing to disbursement.
Wider options for both residential and commercial property.
We guide you through property and income paperwork.
Non-standard property or income situations welcomed.
On-ground understanding of local property documentation.
We compare suitable options for your case instead of relying on a single lender.
*260+ lender network is Rathi Finance's existing business claim. Actual lender availability for any specific case depends on product, borrower profile and geography.
Unclear title history, co-ownership, or a rejection from another lender — we review property-backed cases carefully across our network.
We review each case on its merits across our lender network — we do not guarantee approval, and no case is promised a 100% outcome.
Discuss a Challenge Case →Both residential and commercial properties may be considered, subject to clear title and the matched lender's policy.
Commercial LAP is generally assessed differently (often shorter tenure, different valuation approach) — our team will explain what applies to your specific property.
This depends on property valuation, lender policy and your profile — confirmed during your consultation.
A Home Loan is for purchasing/constructing a home; LAP lets you borrow against a property you already own, for any genuine purpose.
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