What Is a Commercial Real Estate (CRE) Loan?
A Commercial Real Estate Loan is a loan taken to purchase, construct, renovate, or expand non-residential properties like offices, warehouses, showrooms, hotels, or industrial buildings.
Whether you're an SME, startup, or established company, Vizzve Finance helps you secure the capital to invest in high-value commercial properties with fast and reliable financing.
Key Features of Commercial Property Loan via Vizzve
| Feature | Details |
|---|---|
| Loan Amount | ₹10 Lakhs – ₹10 Crores |
| Interest Rate | Starting at 9.5%* p.a. |
| Loan Tenure | Up to 15 years |
| LTV (Loan to Value) | Up to 75% of property value |
| Usage | Buy, build, or renovate office/factory space |
| Approval Time | As fast as 5–7 working days |
Types of Properties You Can Finance
🏢 Office spaces
🏭 Industrial buildings
🏬 Retail showrooms
🏨 Commercial hotels or guesthouses
📦 Warehouses & logistics hubs
🏫 Coaching centers, institutions, labs
Benefits of a Commercial Real Estate Loan
Long-term wealth creation through real estate
Fixed property cost with predictable EMIs
Tax benefits on interest payments
Boosts credibility and expansion of your business
High-value assets to raise capital in future
Documents Required
PAN, Aadhaar (individual/business)
Business registration / GST certificate
ITR & financials (last 2–3 years)
Property documents – Sale deed, Title deed, Valuation report
Bank statements (6–12 months)
Business plan or income projection (for new businesses)
Who Can Apply?
Proprietors, partnerships, LLPs, and private limited companies
Self-employed professionals (doctors, architects, CAs)
SMEs and MSMEs planning workspace expansion
Startups with growth-stage funding
Why Choose Vizzve Finance?
CRE loan approvals tailored for Indian SMEs
Option for Lease Rental Discounting (LRD) for rented properties
Faster loan disbursal with minimal paperwork
Flexible repayment structures for growing businesses
Expert support throughout the process
FAQs
Q1. Can I apply for a CRE loan for a property under construction?
Yes, Vizzve partners with NBFCs and banks that fund under-construction commercial spaces with builder tie-ups.
Q2. Can I get a loan against a commercial property I already own?
Yes, you can apply for a Loan Against Property (LAP) through Vizzve Finance.
Q3. Is income proof mandatory for all CRE loans?
For high-ticket loans, yes. However, if you have strong asset backing, certain lenders may offer loans with relaxed norms.
Published on : 24th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed