SME Loans Offers

Deutsche Bank Loans Against Property on Rubique

10.25% onwards Interest rates
Processing Fees1.00% + ST
Tenure5 - 15 years
Features: Get higher loan amounts ranging from Rs.10 lakhs up to Rs. 10 crores. Loans available on residential as well as commercial property.

Tata Capital Housing Loan Against Property on Rubique

12.00% onwards Interest rates
Processing Fees1 % + ST
Tenure1 - 15 years
Features: Flexible tenure from 12 to 180 months

DBS Bank Loan Against Property on Rubique

9.65% onwards Interest rates
Processing Fees0.25% + ST
Tenure1 - 10 years
Features: Loans up to Rs. 3 Crores, Flexible repayment tenure up to 10 years, Loans up to 65% of the property value

IDBI Loan Against Property on Rubique

11.50% onwards Interest rates
Processing Fees1.00% + ST
Tenure1 - 15 years
Features: You can mortgage your residential, commercial or Industrial property to get a loan

DHFL Loan Against Property on Rubique

11.50% onwards Interest rates
Processing Fees1.00% + ST
Tenure1 - 15 years
Features: Avail loan from Rs. 15 lacs up to Rs. 10 Cr. Realize your dreams faster

HDFC Bank Loan Against Property on Rubique

9.60% onwards Interest rates
Processing Fees1.00% + ST
Tenure1 - 15 years
Features: Higher Loan amount with attractive Lower EMI.

IDFC Bank Loan Against Property on Rubique

11.00% onwards Interest rates
Processing Fees1.00% + ST
Tenure1 - 15 years
Features: Meets all your requirements. Your money saves interest while it’s in your account.

Aditya Birla Housing Finance Loan Against Property on Rubique

11.00% onwards Interest rates
Processing FeesUp to 2.00% + ST
Tenure3 - 15 years
Features: Attractive interest rates. Quick & transparent processing

Au Financiers Loan Against Property on Rubique

14.00% onwards Interest rates
Processing Fees2.00 % + ST
Tenure1 - 12 years
Features: Easy and flexible repayment terms
Flexible products,documentation and collections

HDFC Limited Loan Against Property on Rubique

9.50% onwards Interest rates
Processing Fees1.00% + ST
Tenure1 - 15 years
Features: No pre-closure and pre-payement charges required. Flexible repayment options to decide between Dropline Overdraft Facility or EMI based loan.

PNB Housing Loan Against Property on Rubique

9.75% onwards Interest rates
Processing Fees1.00% + ST
Tenure1 - 15 years
Features: Excellent post disbursement services

Aditya Birla Finance Limited Loan Against Property on Rubique

11.00% onwards Interest rates
Processing Fees1 % + ST
Tenure5 - 12 years
Features: Attractive interest rates Quick & transparent processing

Cholamandalam Loan Against Property on Rubique

11.00% onwards Interest rates
Processing Fees2% + ST
Tenure1 - 15 years
Features: Floating interest rate and secured long term loans

Larsen and Toubro Loan Against Property on Rubique

11.85% onwards Interest rates
Processing FeesUp to 2 % + ST
Tenure1 - 15 years
Features: Flexible repayment options and dedicated relationship manager

Axis bank Loan Against Property on Rubique

10.00% onwards Interest rates
Processing Fees1.00% + ST
Tenure1 - 15 years
Features: Attractive rate of intrests for the loan amount. Speedy approvals for hassle free loan disbursments.

Equitas Loan Against Property on Rubique

17.50% onwards Interest rates
Processing Fees1.50% + ST
Tenure3 - 15 years
Features: Loan amount between Rs. 5 lacs to Rs. 20 lacs, Easy repayment options, Interest rate fixed for initial 3 years

Tata Capital Loan Against Property on Rubique

12.00% onwards Interest rates
Processing Fees1.00 % + ST
Tenure1 - 15 years
Features: Flexible tenure from 12 to 180 months
Part payment allowed, with appliable charges

Federal Bank Loan Against Property on Rubique

11% Interest rates
Processing Fees1%
Tenure5 - 15 years
Features: Quick and hassle free online process.

Shriram Housing Loan Against Property on Rubique

15.00% onwards Interest rates
Processing Fees1.50% + ST
Tenure1 - 15 years
Features: Simple documentation and quick processing

Magma Loan Against Property on Rubique

16.00% onwards Interest rates
Processing Fees1.00% + ST
Tenure3 - 15 years
Features: Competitive home loan interest rate, terms & conditions. Well-trained and knowledgeable team.

Electronica Loan Against Property on Rubique

17.00% Interest rates
Processing Fees1.50%
Tenure3 to 6 years
Features: Perfect financing option to target your business growth

DCB Bank Loan Against Property on Rubique

11.00% onwards Interest rates
Processing Fees1.50% + ST
Tenure5 - 15 years
Features: Offers loans both for salaried and self-employed customers. Provides flexible loan tenure

Shriram City Union Finance Loan Against Property on Rubique

15.00% onwards Interest rates
Processing Fees1.50% + ST
Tenure1 - 10 years
Features: No income proof scheme for self-employed segment and special scheme for informal salaried segment

RBL Bank Loan Against Property on Rubique

12.50% onwards Interest rates
Processing Fees1.00 % + ST
Tenure1 - 15 years
Features: Flexible tenure of upto 25 years
Minimal documentation and faster approvals

Capital First Loan Against Property on Rubique

12 - 13.50% Interest rates
Processing Fees1% + ST
Tenure1 - 15 years
Features: Min.documentation, Approval without any mortgage, Insurance options at attractive premium, Fast processing, Interest on monthly basis

Standard Chartered Loans Against Property on Rubique

10.25% onwards Interest rates
Processing Fees1.00% + ST
Tenure5 - 15 years
Features: Provides attractive interest rates. Loan available for personal expenses or even business expansion

Orix Loan Against Property on Rubique

12.00% onwards Interest rates
Processing Fees1.00% + ST
Tenure5 - 15 years
Features: Financing Option for Business Expansion. Financing Option Purchase of machinery

Kotak Bank Loan Against Property on Rubique

10.75% onwards Interest rates
Processing Fees0.75% + ST
Tenure1 - 12 years
Features: Loans available against residential as well as commercial properties

Edelweiss Loan Against Property on Rubique

11.75% onwards Interest rates
Processing Fees1.00 % + ST
Tenure1 - 15 years
Features: Loan amount upto Rs. 10 Crore
Flexible repayment tenure upto 15 years

ICICI Bank Loan Against Property on Rubique

11.85% onwards Interest rates
Processing Fees0.75% + ST
Tenure1 - 15 years
Features: Higher Loan amount with attractive Lower EMI. Loan amount can be used for business as well as personal needs.

Reliance Loan Against Property on Rubique

13.00% onwards Interest rates
Processing Fees1.00% + ST
Tenure1 - 15 years
Features: No financials required for loans upto Rs. 3 cr and flexible repayment options

Religare Loan Against Property on Rubique

15.00% onwards Interest rates
Processing Fees1 % + ST
Tenure1 - 15 years
Features: Simplified Documentation and quick processing

Hinduja Loan Against Property on Rubique

14.00% onwards Interest rates
Processing Fees1.25 % + ST
Tenure1 - 12 years
Features: Flexible tenure from 1 to 12 years
Flexible repayment options

IndusInd Loan Against Property on Rubique

10.75% onwards Interest rates
Processing FeesUp to 2% + ST
Tenure5 - 15 years
Features: Maximum loan eligibility at attractive interest rates. Loan for purchase of commercial property

IIFL Loan Against Property on Rubique

11.00% onwards Interest rates
Processing FeesUp to 2.00% + ST
Tenure1 - 15 years
Features: Quick & hassle-free loan. Flexible payback options

Au Financiers Commercial Vehicle Loan on Rubique

Interest rates
Processing Fees
Tenure
Features: Simple documentation
Quick credit decision and speedy approval

Manappuram Finance Commercial Vehicle Loan on Rubique

Interest rates
Processing Fees
Tenure
Features: Hassle free documentation
Flexible repayments and timely disbursements

Deutsche Bank Business Loan on Rubique

16 - 19% Interest rates
Processing Fees2 % + ST
Tenure1 - 3 years
Features: Get higher loan amounts ranging from Rs.10 lakhs up to Rs. 10 crores. Loans available on residential as well as commercial property.

Bajaj Finserv Business Loan on Rubique

16% onwards Interest rates
Processing Fees2% + ST
Tenure1 - 5 years
Features: No guarantor required
NIL foreclosure charges

HDFC Bank Business Loan on Rubique

15.50% onwards Interest rates
Processing Fees2.50% + ST
Tenure1 - 5 years
Features: Flexi EMI option and hassle free loan disbursement

Capital First Business Loan on Rubique

18.50% onwards Interest rates
Processing Fees1.5% - 3.0%
Tenure1 - 5 years
Features: Loans up to Rs. 75 lacs, faster loan processing, easy EMI and top up

Electronica Business Loan on Rubique

18.50% Interest rates
Processing Fees1.00% + ST
Tenure36 months
Features: One time, repayable up to 36 months Up to Rs.20 lakh

Kotak Bank Business Loan on Rubique

11.50% onwards Interest rates
Processing Fees1.0%
Tenure1 - 7 years
Features: Quick and hassle-free process. Customized and flexible financial solutions

Tata Capital Business Loan on Rubique

18.50% onwards Interest rates
Processing Fees2% - 2.5% + ST
Tenure1 - 5 years
Features: No guarantors and collaterals required
Flexi EMI option

IndusInd Business Loan on Rubique

18.50% onwards Interest rates
Processing Fees2% + ST
Tenure1 - 3 years
Features: Non-collateralised loan. Fast processing of loan

Ziploan Business Loan on Rubique

24% (Reducing) Interest rates
Processing Fees3 % + ST
Tenure6 - 24 months
Features: Uses automation and unique framework to process your loans up to 10 times faster as compared to traditional institutions

Aditya Birla Finance Business Loan on Rubique

18.50% Interest rates
Processing Fees2.00% + ST
Tenure12 to 48 Months
Features: Taking a business loan at competitive interest rates will propel your goals towards rapid fruition.

Neogrowth Business Loan on Rubique

24% onwards Interest rates
Processing Fees2% + ST
Tenure6 - 24 months 
Features: Business Loans for Online Sellers who are selling on marketplaces or have their own e-commerce stores

Axis Bank Business Loan on Rubique

15% onwards Interest rates
Processing Fees2.00%
Tenure1 - 4 Years
Features: Upto Rs. 5 Cr for big enterprises and Rs. 1 Cr for small enterprises

ICICI Bank Business Loan on Rubique

18.50% onwards Interest rates
Processing Fees2.0% + ST
Tenure1 - 3 years
Features: Quick processing and disbursal of loans. Attractive interest rates

IIFL Business Loan on Rubique

19.50% onwards Interest rates
Processing FeesUp to 2% + ST
Tenure1 - 3 years
Features: Smart SME Loan - Credit facility up to Rs. 50 lacs, quick approval with minimum documentation, flexible repayment options with no prepayment penalty, collateral free loan

Fullerton Business Loan on Rubique

17% onwards Interest rates
Processing Feesup to 6.5%
Tenure12 to 48 months
Features: Quick approvals and hassle-free processing, minimal paperwork & documentation

DHFL Business Loan on Rubique

18.50% Interest rates
Processing Fees2 % + ST
Tenure1 - 5 years
Features: Innovative Products Flexible tenure options

Capital Float Business Loan on Rubique

18% onwards Interest rates
Processing Fees2% + ST
Tenure0.5 - 3 years
Features: Apply from anywhere, at any time.

IntelleCash Business Loan on Rubique

18% onwards Interest rates
Processing Fees2%
Tenure8 - 12 months
Features: Flexi repayment methods.

Standard Chartered Business Loan on Rubique

17% onwards Interest rates
Processing Fees1.5%
Tenure5 - 15 years
Features: Repay with easy equated monthly installments. Speedy loan processing

RBL Bank Business Loan on Rubique

18% onwards Interest rates
Processing Fees3 % + ST
Tenure12 to 36 months
Features: Convenient loan repayment option of 12 to 36 months and no security or collateral required to avail this loan

Lendingkart Business Loan on Rubique

18% onwards Interest rates
Processing Fees1% + ST
Tenure1 - 12 months
Features: Highly flexible loan amount, tenure and repayment methods

How SME Loans Application & Disbursal Process Works

We have partnered with leading banks and NBFC's to provide you a comprehensive range of loan against property options. Our unique matchmaking algorithm ensures that we match your requirements with available options and provide you the best results.

Offers are displayed sequentially to help you compare key features like interest rates, processing fees, tenure and features. So, you can make an informed decision.

Once you have compared and found the loan that is best suited to your requirements, you need to fill a detailed online application form. This is required to check your eligibility and process your application.

We also help you with end to end fulfilment, including documentation pick up and submission to the respective financial institutions. You can track the entire journey of your application by logging in to \"My Accounts\" section.

We have partnered with leading banks and NBFC's to provide you a comprehensive range of commercial vehicle loan options. Our unique matchmaking algorithm ensures that we match your requirements with available options and provide you the best results.

Offers are displayed sequentially to help you compare key features like interest rates, processing fees, tenure and features. So, you can make an informed decision.

Once you have compared and found the loan that is best suited to your requirements, you need to fill a detailed online application form. This is required to check your eligibility and process your application.

We also help you with end to end fulfilment, including documentation pick up and submission to the respective financial institutions. You can track the entire journey of your application by logging in to \"My Accounts\" section.

We have partnered with leading banks and NBFC's to provide you a comprehensive range of business loan options. Our unique matchmaking algorithm ensures that we match your requirements with available options and provide you the best results.

Offers are displayed sequentially to help you compare key features like interest rates, processing fees, tenure and features. So, you can make an informed decision.

Once you have compared and found the loan that is best suited to your requirements, you need to fill a detailed online application form. This is required to check your eligibility and process your application.

We also help you with end to end fulfilment, including documentation pick up and submission to the respective financial institutions. You can track the entire journey of your application by logging in to \"My Accounts\" section.

As Simple as This!

2

Mins

Apply

It takes just a few minutes to provide us with your information

5

Mins

In-principle Approval

Our matchmaking algorithm matches your requirement and eligibility with lender systems to provide in-principle approvals real time

4

Days

Disbursal

We help with documentation pick up and submission. It takes 4-7 business days for final disbursal depending on the product

All about SME Finance - FAQ Section

Who can avail a loan against property?

Individuals – salaried/ professionals/ self-employed

Non-individual entities - proprietorship firms/ partnership firms/ private limited companies/ public limited companies

How much finance can I avail against the property?

This depends on the property type, valuation and bank’s policy. Generally, you can get a loan for up to 80% of the property value.

What is the eligibility for loan against property?

Anyone aged between 25 and 65 years who is not retired is eligible. While this is the broad criteria, the following factors also impact eligibility:

Purpose of the loan Your income Assets and liabilities Your spouse’s income, in case you are applying for a joint loan Qualifications Employment and professional experience Credit score and history (the prospect of getting a loan increases with a good credit score) Residential status Number of dependents

Can I apply for a loan along with a co-applicant?

Yes, you can.

My property is co-owned by my parents/ spouse/ relatives. Can I apply for a loan individually or do I need a co-applicant?

If the property is co-owned, all co-owners need to be co-applicants.

What is the loan processing time?

Typically, 7-15 working days after all the documents are submitted. The process includes evaluating your property value through a credit, legal and technical accessor.

How would the value of my property be determined?

Through a valuation conducted by independent credit accessor appointed by the financial institute.

What is the tenure of the loan available?

A maximum of 15 years.

How do I pay the EMI?

For monthly payments, banks may request for an Electronic Clearing System (ECS) form to be signed by you linking your salary or operational account. Besides ECS, at the time of applying for the loan, banks may ask you to submit post-dated cheques.

Do clarify your ECS debit date with the bank so you can ensure sufficient balance for payment clearance.

Can I pre-pay my loan?

Yes but most financial institutions allow part pay after 6 months from the date of disbursement.

Will I be charged by Rubique for services offered?

No. The services offered by Rubique are completely free of charge.

I submitted my application to Rubique. Now, what next?

Once your application has been electronically processed and received, it will be securely sent to the financial institution of your choice.

What if my application is rejected?

In an unlikely scenario of rejection, we will help you rectify the shortcoming and re-process the application with same or other institute.

How do I apply for a loan against property?

You can browse, compare and apply for loan from here.

Who can avail of Commercial Vehicle Loans?

Individuals Self-employed businessmen Proprietorship firms Partnership firms HUFs Trusts/societies Private and public limited companies Do note that lenders often offer separate schemes for first-time buyers as well as fleet owners.

Who can my co-applicants be on a commercial vehicle loan?

If you’re a salaried or self-employed individual, a family member or blood relative can be a co-applicant. In the case of partnership firms, it must be a partner; and directors in the case of private limited companies.

Do I need a guarantor to apply for a commercial vehicle loan?

This requirement is determined by your profile and credit strength based on the documents submitted by you and credit checks done by the lender. Depending on the outcome of these evaluations, a guarantor may be required.

What are some important eligibility criteria for commercial vehicle loans?

When applying for a commercial vehicle loan, lenders and banks will usually expect you to have an existing ownership of one or two vehicles. If the applicant is a company or partnership, they need to furnish two years of audited financials.

What are the minimum & maximum loan amounts?

These depend on your existing fleet size, balance sheet and other factors; the general range is between a few lakhs to a few crores. Loans offer funding on both chassis and body.

For what tenure can I get a commercial vehicle loan?

The tenure ranges from six months to sixty months depending on the vehicle and your requirements.

How is the interest charged/calculated?

Generally, at a flat rate basis on a monthly reducing balance.

How long will it take to process the loan?

It takes between 7-10 days to process a commercial vehicle loan. The process can often be completed faster if all the documents and application requirements are met.

Can I get a Commercial Vehicle Loan without a bank account?

A bank account is mandatory. In case you don’t have one, you can apply for a new account which will be considered even if it has no recent transactions.

Do you provide finance for all brands of commercial vehicles?

Yes, we do.

How long does it take for a loan to be approved?

On an average, loans are approved within 24 to 48 hours of the submission of complete documents. However, this may vary depending upon the nature of the loan, quantum of funding and location.

What is the process of applying for a commercial vehicle loan at Rubique?

You start the eligibility check for your commercial vehicle loan and receive an instant in-principle approval online in a couple of minutes.

Next, our executives will coordinate with you to complete your application form along with necessary documents required by the selected lender.

The process from application to online approval to disbursal of the loan takes approximately 7 to 10 working days.

What security/collateral do I have to provide?

The only collateral required is the vehicle on which the funding is extended. When you avail of a commercial vehicle loan, your vehicle is hypothecated or pledged to the lender for the period of the loan.

Can I sell the vehicle I have used a loan to purchase?

You need to pay off your loan and obtain a No Objection Certificate from the bank before you can sell your vehicle. This is required as your vehicle is hypothecated or pledged to the bank when you avail of the commercial vehicle loan.

Do I need to pay any charges towards availing a commercial vehicle loan?

Rubique offers a free online eligibility check from banks and lenders you select. After you receive your in-principle approval, the selected bank or lender may apply processing fees for your loan application.

We clearly mention fees and charges for each lender that you are eligible for so you can compare their fees and charges before choosing to apply.

Why should I take a business loan?

Mobilizing money is critical for any business to perform well. An unsecured business loan gives you access to credit, which can be repaid over a period of time. It can be used for expansion of an existing business or investing in a new one without pledging anything against the borrowed amount.

Who all can avail a business loan?

Self-employed individuals/ professionals (like doctors, architects, chartered accountants, business consultants) • Sole proprietorship firms • Partnership firms • Private limited companies • Closely-held and public limited companies

What is the eligibility criteria for availing of a business loan?

Your firm should be at least 3 years old. On a net income of up to Rs 1.5 lakhs, a firm can avail of a loan of up to Rs. 15 lakhs. For net income above Rs 1.5 lakhs, a firm can avail of a loan above Rs 15 lakhs. The above figures are only indicative and the actual eligibility criteria varies across financial institutions.

What is the loan processing time?

Typically, 4 working days after all documents are submitted.

What is the loan amount one can avail?

An unsecured business loan ranges from Rs 10 lakhs up to Rs 40 lakhs, depending upon the financial eligibility.

What is the minimum and maximum tenure of the loan?

The loan tenure generally ranges between 12 to 36 months.

What is the interest rate? Is it fixed or floating?

Interest rates entirely depend upon the loan amount, credit assessment, and other risk-based parameters applicable from time to time. The rate is usually fixed.

How do I pay the EMI?

For monthly payments, banks may request for an Electronic Clearing System (ECS) form to be signed by you linking your salary or operational account. Besides ECS, at the time of applying for the loan, banks may ask you to submit post-dated cheques. Do clarify your ECS debit date with the bank so you can ensure sufficient balance for payment clearance.

Can I pre-pay my loan?

Yes, but most financial institutions allow part pay after 6 months from the date of disbursement.

Will I be charged by Rubique for services offered?

No. The services offered by Rubique are completely free of charge.

I submitted my application to Rubique. Now, what next?

Once your application has been electronically processed and received, it will be securely sent to the financial institution of your choice. We will be in touch with you throughout the disbursement process.

What if my application is rejected?

In an unlikely scenario of rejection, we will help you rectify the shortcoming and re-process the application.

What are the documentation required?

KYC documents ID proof : PAN card, Passport, Driving license etc. (any one) Address proof of office and residence: Electricity bill/ telephone bill/ property tax receipt/ registered rent agreement/ post-paid phone bill/ sale deed of agreement Partnership deed and PAN card (for partnership firm) MOA & AOA, COI, PAN and Form 32 (for Companies)

Ownership proof – any one of these documents from the applicant and guarantor: Sale deed of property Utility bills (electricity / water bill not older than 2 months old) Property tax receipt (latest) Leave and license agreement

For self-employed individuals, self-employed professionals, firms and companies: IT Return with statement of income of the past 3 years Financials of past 3 years with balance sheet, and profit and loss account with all schedules/annexures f audited, then audit report along with Director’s Report, 3CB/3CD of latest 3 years All bank statements of last 6/12 month Business existence proof, shop & establishment certificate, SSI registration certificate, sales tax/VAT registration certificate, trade license certificate, factory registration certificate, professional qualification certificate and degree for professionals o Sanction letters of any existing loans: Performa invoice of the vehicle in the case of a vehicle loan; for HL & loan against properties - latest property sale agreement along with entire previous chain of sale agreements, commence certificate, occupancy certificate/ approved plan copy, draft copy of sale agreement (in case of purchase transaction)

Partnership deed and PAN card (for partnership firm)

How do I apply for a Business loan?

You can browse, compare and apply for a loan from here.

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