Secured Business Loan– Get Up To 200% of Property Value
Business ownership involves grand ideas—and grander financial requirements. If you’re looking to grow operations, refinance your space, or cover day-to-day cash flow, a Secured Business Loan can be an efficient way to access the capital you need—without straining your working capital.
At NKB Kredit, we understand how critical timely funds are for a growing business. That’s why our Secured Business Loan solutions are designed to help you unlock up to 200% of your property’s value as working capital—so you never have to pause your business growth.
Whether you’re expanding, investing in infrastructure, or stabilizing operations, our Secured Business Loans let you leverage your property or investments to access larger funding at better terms. We’re not just offering loans—we’re backing your business vision.
Let NKB Kredit support your goals with a custom-tailored Secured Business Loan that works for you.
What is a secured business loan?
A secured business loan is a type of funding where you pledge an asset you own—such as your house, office space, land, or factory—as security to the lender. This collateral gives the lender confidence that their money is safe, which is why secured loans usually come with higher loan amounts, longer repayment periods, and lower interest rates compared to unsecured loans.
If you already own a property or other valuable asset, you actually hold a strong financial advantage. By offering that asset as security, you can unlock funds that help you manage working capital, expand your operations, or invest in new opportunities. This is the exact benefit that a loan against property or securities provides—it allows you to turn your fixed assets into liquid capital, without selling them, while still continuing to use those assets for your business.
Why select secured business loan?
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Here’s why a secured business loan is more suitable for expanding businesses:
- ₹50 lakh to ₹100+ crore loan amounts
- Up to 200% of your property’s value as working capital (based on profile)
- Property-backed funding — residential, commercial, or industrial
- Customized plans for manufacturers, traders, exporters & service providers
If your business has stable income and lucrative property—this is your opportunity to scale up intelligently.
Types of secured loans we provide
- Secured Working Capital Loans: Get up to 200% of your property’s value as working capital
- Equipment Loans: For machinery & tools
- Term Loans with Collateral: Big expansion-based capital
Documents you'll need :
It’s easy to apply. Have these ready:
- PAN & Aadhaar
- Business registration certificate
- Last 2–3 years’ ITRs and balance sheets
- Bank statements
- GST returns
- Property ownership papers
Our team assists you from start to finish—from document collection to loan disbursement.
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Key Benefits:
When it comes to funding your business, a secured business loan can be one of the smartest financial decisions. Unlike unsecured loans, this option requires collateral, but in return it offers multiple advantages that can truly support business growth. Here are some key benefits:
1. Higher Loan Amounts
Because secured loans are backed by collateral, lenders are more confident in offering larger amounts. This is especially helpful for businesses that need significant capital for expansion, machinery purchase, or long-term projects.
2. Lower Interest Rates
Since the lender’s risk is minimized, secured business loans usually come with lower interest rates compared to unsecured loans. This means reduced EMI pressure and better cash flow management for your business.
3. Flexible Repayment Options
One of the biggest advantages of a secured business loan is repayment flexibility. Many banks and NBFCs allow longer repayment tenures, giving businesses the breathing space they need to balance expenses and revenue.
4. Improves Business Credit Profile
Timely repayment of a secured business loan builds a strong credit history. This not only increases your future borrowing capacity but also strengthens your credibility in the eyes of financial institutions.
5. Multipurpose Utilization
Whether it’s working capital, expansion, equipment purchase, or even covering seasonal fluctuations, secured business loans can be used for multiple business needs without restrictions.
Tips to Improve Your Loan Approval Chances
Getting a secured business loan becomes much easier when you prepare the right way. Here are a few practical tips that can improve your chances of quick approval:
Maintain a Good Credit Score – Lenders always check your credit history before approving a secured business loan. A healthy score builds trust and shows you can repay on time.
Keep Documents Ready – From business registration to income proofs, having all paperwork organized speeds up the loan process and reduces delays.
Offer Strong Collateral – The better the asset you provide as security, the higher your chances of approval and the more favorable loan terms you can get.
Show Business Stability – A steady cash flow and consistent growth make lenders more confident in giving you a secured business loan.
Work with Trusted Loan Consultants – Partnering with experts like NKB Kredit ensures you connect with the right lenders and present your case effectively.
Note: Before applying for a secured business loan, always review the terms, interest rates, and repayment structure carefully. This helps you choose the right option that supports your business growth without putting unnecessary pressure on your finances.
Why Choose NKB Kredit?
When it comes to funding your business growth, choosing the right partner matters as much as choosing the right loan. At NKB Kredit, we don’t just provide a secured business loan — we provide peace of mind, guidance, and long-term support for your financial journey.
Here’s why businesses across India trust us:
Tailored Loan Solutions – Every business has different needs. Whether you want to expand operations, purchase machinery, or strengthen working capital, our secured business loan solutions are customized to match your goals.
Clear & Simple Process – Our secured business loan process is completely straightforward, with no hidden costs or last-minute surprises. You can focus on growing your business while we ensure full transparency in every step.
Quick Approvals with Expert Guidance – Our team assists you with the right documentation and connects you to trusted lenders, helping you get faster approvals on your secured business loan at the most suitable rates.
Flexible Loan Amounts – From small enterprises to large-scale businesses, we provide access to a wide range of funding options under secured business loans, so you get the amount that truly supports your growth.
End-to-End Guidance – From eligibility checks to disbursement, we stand by you at every step, ensuring a smooth and stress-free borrowing experience.
At NKB Kredit, we’re more than just consultants — we’re your financial growth partners. Choosing us for your secured business loan means choosing trust, expertise, and long-term support.
Final thoughts:
A secured business loan is more than just financing—it’s an opportunity to empower your business with stability and growth potential. At NKB Kredit, we strive to make that journey smooth and transparent. Whether you’re aiming to expand, upgrade assets, or optimize working capital, our streamlined process and expert support ensure you get tailored solutions that align with your goals.
Choose NKB Kredit for your secured business loan and take a confident step toward a stronger, future-ready business.
FAQs - Frequently Asked Questions
A secured business loan is a type of financing where you pledge an asset (like property, equipment, or inventory) as collateral to get funds for your business needs.
A secured business loan requires collateral, which usually makes it easier to get larger amounts at lower interest rates. An unsecured loan, on the other hand, doesn’t require any security but often comes with higher rates.
You can use property, machinery, equipment, fixed deposits, or even inventory as collateral for a secured business loan, depending on the lender’s policies.
Business owners who need higher loan amounts with flexible repayment options should consider a secured business loan, especially if they can provide valuable collateral.
The main benefits include higher loan eligibility, lower interest rates, flexible repayment tenure, and better chances of approval compared to unsecured loans.
No, a secured business loan is available for both small and medium businesses as well as large companies. Any business that can provide collateral can apply.
Repayment is usually structured into monthly EMIs (Equated Monthly Installments) that cover both principal and interest. Lenders may also offer flexible repayment options depending on your business cash flow
Yes, in many cases lenders may still approve a secured business loan if the collateral is strong enough, even if your credit score is not perfect.
Approval timelines vary, but with proper documentation and clear collateral, a secured business loan can often be approved within a few days to a couple of weeks.
NKB Kredit simplifies the process by helping you prepare the right documents, connecting you with trusted lenders, and ensuring you secure the most suitable loan terms for your business.