Property Advisory
Commercial property finance — structure the buy, then fund it.
Office, retail, warehousing or industrial property — compared across partner lenders on LTV, rate, tenure and covenants. We assess net yield, post-tax cash flow and exit liquidity before recommending finance.
Asset classes we finance
Grade-A office
Pre-leased or under-construction Grade-A office space in IT parks and CBDs — often via LRD against the lease.
High-street retail
Shop, showroom or kiosk in established high-street locations — tenant-mix matters as much as rent.
Warehousing & logistics
Grade-A warehousing in tier-1 logistics corridors — 8–9%* indicative yield, long-lease tenant covenant.
Industrial property
Factory buildings, industrial sheds and FSI-ready plots — often acquired under company or LLP.
IT / SEZ space
SEZ-tenanted IT property — special tax and repatriation considerations, structured acquisition.
Pre-leased buildings
Entire buildings with a single anchor tenant — LRD or structured debt against the rent roll.
Our advisory process
- Net rental yield & cap-rate assessment vs benchmark 10-yr G-Sec
- Post-tax cash-flow modelling — interest cost vs rental yield
- Tenant covenant and lease-structure review
- Title chain, encumbrance, sanctioned plan, occupancy certificate check
- Acquisition vehicle structuring (individual / HUF / LLP / Pvt-Ltd)
- Stamp duty, GST and capital-gains tax mapping
- 3–4 lender offers compared — LTV, rate, tenure, covenants
- Sanction-to-disbursal coordination, post-disbursal servicing
Indicative economics (subject to lender)
FAQ
Common questions
How is commercial property finance different from a home loan?+
Home loans finance residential property you'll live in — higher LTV (75–90%), longer tenure (up to 30 years), lower rate. Commercial property finance funds office, retail, warehouse or industrial property — lower LTV (50–65%), shorter tenure (10–15 years), higher rate, and end-use often restricted to business or investment. Documentation and valuation are stricter.
What yields make commercial property finance viable?+
Indicative net yields — Grade-A office in metros: 7.5–8.5%*, high-street retail: 5–7%*, warehousing: 8–9%*. If the post-tax yield is higher than the borrowing rate, the leveraged investment makes sense. We model the post-tax, post-interest cash flow before recommending finance. Final yields depend on asset, tenant and location.
Can I finance a commercial property under a company name?+
Yes — most commercial property is acquired by an LLP or Pvt-Ltd for tax efficiency and liability ring-fencing. Lenders evaluate the company's financials plus the property itself. We structure the acquisition vehicle, advise on stamp-duty implications and coordinate the lender documentation.
Next step
Get your file reviewed before you apply again.
Share basic details — a senior advisor will read your profile, diagnose what's blocking approval, and tell you exactly what to fix first.
- No CIBIL pull until strategy is agreed
- No blind portal submissions
- Review by a senior advisor — not a call-centre agent
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