Commercial Finance

Finance your commercial property purchase or business expansion with competitive commercial loan options.

Commercial Finance — Overview

Commercial Finance covers a range of loan products for purchasing, constructing, or renovating commercial properties like offices, shops, warehouses, factories, and industrial units. It is also used for commercial vehicle finance, lease rental discounting, and other business-related property transactions. V & J Financial Solutions connects you with the right lender for your commercial finance needs.

Current Commercial Finance Rate
10.00% p.a. onwards*
EMI Calculator
₹50K ₹10,00,000 ₹1Cr
6% 8.5% 24%
1 Yr 20 Yrs 30 Yrs
Monthly EMI ₹0
Total Interest ₹0
Total Payment ₹0

* Indicative values only. Actual EMI may vary.

Key Benefits

Buy Commercial Property

Purchase office space, retail shops, warehouses, or industrial units.

Competitive Rates

Commercial finance starting from 10% p.a. from leading banks.

High Loan Amount

Finance up to 65-70% of the commercial property value.

Flexible Tenure

Repayment tenure up to 15-20 years for commercial properties.

Lease Rental Discounting

Unlock cash against rental income from your commercial property.

Industrial Finance

Finance for industrial units, factories, and manufacturing facilities.

Eligibility Criteria

  • Age: 25–65 years at loan maturity
  • Minimum 3 years of business / employment
  • Business should be GST registered
  • Commercial property should have clear title and approvals
  • CIBIL score 680 or above (business and personal)
  • Property should be within permitted commercial zones

Documents Required

  • KYC: Aadhaar, PAN, Address Proof of all applicants/directors
  • Business Documents: GST certificate, registration, partnership deed
  • Financial Documents: 3 years ITR, P&L, Balance Sheet
  • Bank Statements: Last 12 months business bank statements
  • Commercial Property Documents: Sale deed, approved plan, EC
  • Rental agreement (for lease rental discounting)

How It Works

01
Apply

Submit your application with property and business details.

02
Assessment

Credit and property assessment by the lender.

03
Sanction

Loan amount sanctioned as per valuation and profile.

04
Disbursement

Loan disbursed upon completion of documentation.

Frequently Asked Questions

Office spaces, retail shops, showrooms, warehouses, industrial units, factories, multiplexes, and other commercial properties with clear titles and approvals are eligible.

LRD is a facility where you can avail a loan against the future rental income from your commercial property. The lender provides funds upfront and recovers from rental income over the loan period.

Generally yes, commercial loan rates are slightly higher than home loans due to higher risk perception. However, we negotiate the best rates from our lender network.

Yes, self-employed professionals, business owners, companies, and firms can apply for commercial finance. The eligibility criteria may vary by lender.

The lender appoints an independent valuer to assess the current market value of the commercial property. Typically, 60-70% of this value is offered as loan.

Apply for Commercial Finance

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