Secured Segment
Loan Against Property (LAP)
Turn Bricks into Business Growth
Securing cash or a business loan shouldn’t be exhausting. Put your biggest asset to work and easily fund your most critical financial goals.
DigiMoney Finance pairs your true earning power with your property value to deliver affordable, custom-structured loans.
WHY PARTNER WITH US
The DigiMoney Operating Advantage
Traditional lending shouldn’t stall your business. We look past rigid paperwork to fund your real cashflow and daily performance.
Fast & Reliable
Traditional approvals take weeks.
We streamline our process to get capital into eligible businesses in just 7 days.
Performance First
We look beyond GST filings and ITR history. Your daily transactions and market reputation prove your true repayment power.
Zero Complexity
No hidden charges, no confusing paperwork. Just a straightforward, transparent process from start to finish.
Tech-Driven
We leverage advanced digital verification systems to eliminate unnecessary delays and enable faster loan processing.
Our Lending Philosophy
Loans Shaped by Your Business and Needs, Not Templates
Truly Personalized Credit
Your business is unique. We customize repayment schedules to perfectly match your natural sales cycles and income flows.
A Hassle-Free Journey
No pointless paperwork. Our technology-enabled verification process reduces traditional friction and simplifies access to credit.
A Safe & Responsible Choice
Avoid high-interest informal lending. Access secure, transparent funding designed for sustainable growth.
Loan Parameters
Transparent Terms
Zero Surprises
Clear Numbers
Our property-backed loans provide flexible repayment options with transparent terms to support business growth.
Loan Amount
₹3 – 25 Lakhs
Repayment Tenure
36 – 120 Months
Interest Rate
14% – 22% p.a.
Property & Eligibility Guidelines
Properties We Fund
Accepted Properties: Residential Properties, Commercial Properties, Rented Properties, Mixed-Use Properties, Vacant Land
Funding Criteria : Funding limits are based on: Property Type ,Market Valuation, Legal Eligibility
Who Qualifies
Entrepreneurs Welcome: Self-employed professionals and business owners with a 600+ credit score.
Active Regions: Ready to deploy capital across Tamil Nadu and Pondicherry.
- Flat 4% + GST: A transparent processing fee with absolutely zero hidden surprises.
One Loan. Endless Possibilities
Funding Built Around Your Real Needs
Scaling Business
Working capital support for inventory and operational growth.
Real Estate Value
Unlock liquidity from your property, even without extensive formal records.
Family Milestones
Fund education, weddings, and home improvements.
Financial Peace
Consolidate high-interest debt into one structured repayment plan.
CLEAR LENDING GUIDELINES & TRANSPARENCY
Our Transparent Terms
All interest rates are fixed and calculated on a diminishing balance basis for complete clarity and fairness. We ensure you know exactly what you pay from day one.
Application Parameters
Applicants must meet age, property documentation, co-borrower, and insurance requirements under our responsible lending framework to ensure financial stability.
Got more questions?
Reach Out!
FAQ
Frequently Asked Questions
What is a Loan Against Property (LAP)?
We accept residential properties, commercial properties, rented buildings, mixed-use properties, and eligible vacant land with clear legal ownership and documentation.
Who can apply for a Loan Against Property?
The loan amount depends on factors such as property value, repayment capacity, income profile, cashflow strength, credit history, and internal evaluation guidelines.
What types of properties are accepted?
How is the loan amount determined?
The loan amount depends on factors such as property value, repayment capacity, income profile, cashflow strength, credit history, and internal evaluation guidelines.
Secured Financing Made Simple And Accessible
Explore Solutions
Flexible funding options designed for business growth and major goals.
Expert Guidance
Our team supports you through documentation and verification at every step.
Build Your Future
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