Aadhya Financial Consultancy
SME BusinessWorking CapitalTerm LoansProject FinanceLAPUnsecured Loan

For SMEs with Rs 10 crore+ turnover · Thane & Mumbai

Loan against property for SMEs in Thane and Mumbai: Let your property power your business.

  • Long-term funds on your property
  • Without touching your CC limit
  • Even if it's rented out
Residential property→Commercial property→Industrial property→
Book a 20-minute Lender's View call
Venkatraman Iyer
5.0 on Google · 27 reviewsRs 750 Cr+ arranged · 50 banks and NBFCs
WHAT CLIENTS SAY

What clients say

5.0 ★ on Google, 27 reviews
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Santosh Shinde
G
“Aadhya Financial Consultancy exceeded my expectations with their professionalism and commitment to delivering results. Their tailored solutions have brought clarity and confidence…”
H
Harshad Agawane
G
“Venkatraman Sir is a very polite, knowledgeable, and passionate professional. With over 20 years of experience and a deep understanding of the products, he always takes a…”
A
Abhijit Bardhan
G
“He is someone that does understand the nitty gritties of various products across finance and advices you on the one which would most strategically work for you… Most of the…”
M
Mayank Purohit
G
“Passion, knowledge and a genuine interest in achieving the best for clients is what makes a truly professional Financial Adviser. Aadhya Financial Consultancy has this and more…”
D
Dinesh Thotam
G
“Best Home loan and Mortgage loan consultant in Mumbai.”
V
Vinay Ghuwalewala
G
“Best Consultancy. Very good relationship with bankers for the best deals for customers and fastest deliveries to customers.”
N
Nazim Virji
G
“Highly recommended for improving the cost of finance for your company.”
M
Madhav Mehta
G
“Honest and commited. They deliver their best efforts and fantastic customer experience”
A
Akash Raut
G
“Professional approch, they solved my requirements on time.”
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Hasan Shaikh
G
“Excellent service, timely resolution ,quick reponse”
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Nikhil Desai
G
“Prompt services for all your financial needs”
N
Nikhil Purohit
G
“Awesome experience. Superb service.”
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Chandan Yadav
G
“Very fast, safe and secure.”
G
Gulshan Chopra
G
“Excellent delivery of works”
M
Mohammad Iftekhar
G
“Good financial consultancy”

Read all reviews on Google →

ResidentialResidentialYour flat or houseCommercialCommercialOffice, shop or showroomIndustrialIndustrialFactory or godown

Loan against residential property for SMEs · Thane & Mumbai

Your home has value. Let it fund your business.

Long-term funds for your business against your home, without disturbing your working capital, even if you've never borrowed against property before.

An SME owner relaxing at home with his wife and morning tea
Did you know?

Your home can fund your business's long-term needs at a much lower cost than unsecured loans.

How we help

We size the right amount and pick the lender that values your home best.

Documents for your case

Tell us four things and we'll send your exact list on WhatsApp.

Get my document checklist on WhatsApp
Book a call about your LAP

Loan against commercial property for SMEs · Thane & Mumbai

Your office is an asset. Let it work for your business.

Funds against your office, shop or showroom, without tying up the security your bank needs, even if you run your business from it.

A showroom owner greeting customers
Did you know?

Your office or shop is on your balance sheet. Is it working for your business?

How we help

We map your properties against your current and future loans, then choose the structure that fits.

Documents for your case

Tell us four things and we'll send your exact list on WhatsApp.

Get my document checklist on WhatsApp
Book a call about your LAP

Loan against industrial property for SMEs · Thane & Mumbai

Let your factory fund your next step.

Funds against your factory or godown, without disturbing your working capital limits, even if it's in an industrial estate.

A factory owner outside his own factory
Did you know?

Industrial property is valued very differently by different lenders.

How we help

We take your proposal to the lenders whose policy suits industrial property.

Documents for your case

Tell us four things and we'll send your exact list on WhatsApp.

Get my document checklist on WhatsApp
Book a call about your LAP
HOW WE WORK

From first call to funds in your account

Long-term funds for your business from the property you own, without selling it, even if it's already mortgaged.

1

Review

Your balance sheet read the way a credit officer reads it.

2

Structure

The right product for each need.

3

Match

Only lenders keen on businesses like yours.

4

Disburse

With you until the money reaches your account.

Our commitment: we work to get you the full amount your plan needs, so every part of it is covered.

Lender's View Self-Check, a one-page check by Aadhya Financial Consultancy
FREE SELF-CHECK

Lender's View Self-Check

See your business the way a bank's credit officer reads it, before your next renewal or loan. Ten Yes or No questions across the five things every lender reads, and your score in 10 minutes.

  • Your score out of 10
  • Where your file is strong, and where to plan first
  • Done with your last 3 years' financials, or with your CA
ALSO FOR SME BUSINESSES
Working Capital→Term Loans→Project Finance→Unsecured Loan→
FAQS

Loan against property questions, answered

How much can I raise against my property?

Usually up to about 70% to 75% of market value for residential and commercial property, and less for industrial property, subject to the lender's conditions and your business income.

Can I use a loan against property for my business?

Yes. Business use is accepted: expansion, premises, stock or replacing costlier loans.

Can a let-out property raise funds?

Yes. With a good tenant on a registered lease, the loan can even be based on the rent (lease rental discounting).

Will it affect my working capital limits?

They stay intact when it's planned well. We check what is already mortgaged and what your working capital bank may need, before you sign.

Your next step: two simple steps

Start with a call. If a full review is worth your time, we take it from there.

STEP 1

20-minute Lender's View call

Tell us about your business and your current bank facilities. We'll tell you how a credit officer is likely to read your profile, and whether a full review is worth your time.

Book my Lender's View call
STEP 2 · FREE · ONLY 5 A MONTH

Balance Sheet Review

You share the last 2 years' audited financials, the current year's provisional figures and your current sanction letter(s). We study them the way a credit officer does, against everything a lender reads. Free for 5 businesses a month; we'll offer it on the call if it fits. In a 45-minute meeting you get a one-page report:

  • Where you stand on everything a lender reads
  • What to strengthen before the year closes
  • Which lenders are keen on a profile like yours

There's no pressure. We'll just see if we can help.

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