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Commercial Loans

Commercial Loans

Shed, Office & Machinery Financing Solutions

A commercial property or industrial asset is more than an investment—it is the engine that drives your business growth and operational capacity. At Devam Finserve, we streamline commercial financing with custom-tailored capital solutions. Whether you are expanding an industrial shed, acquiring prime office space, purchasing advanced manufacturing machinery, or transferring an existing high-rate loan, our experts handle everything. We compare competitive offers across 120+ top banks and NBFCs, managing end-to-end documentation so you secure maximum funding and low interest rates with zero stress.

Umesh H. Munjani

We are dedicated to empowering business expansion by delivering transparent, high-value commercial financial solutions tailored to your growth goals.

Commercial & Capital Asset Financing Solutions

Empowering business growth with tailored funding for physical workspaces, industrial infrastructure, and modern production equipment.

Extended Repayment Tenure

Enjoy flexible loan tenures up to 15 years to align repayments smoothly with your business cash flows.

Competitive Interest Rates

Leverage our network of 120+ lenders to lock in optimal interest rates designed for commercial borrowers.

High Capital Funding Support

Access up to 80%–90% funding on property value and machinery cost to minimize upfront cash outflow.

Tax & Depreciation Benefits

Claim interest deductions as operational expenses and leverage capital depreciation on purchased machinery.

Structured Repayment Options

Choose customized EMI structures, drop-line overdrafts, or step-up plans matching your seasonal revenue.

Fast & Paperless Processing

Experience end-to-end file management with minimal paperwork for rapid technical clearance and disbursal.

Commercial Loan Eligibility & Required Documents

Clear criteria and streamlined documentation requirements for self-employed professionals, firms, and corporate entities.

Eligibility Criteria

Business Operations & Vintage
  • Business Age: Minimum 3 years of continuous active business operations
  • Entity Type: Proprietorship, Partnership, LLP, or Private Limited
  • Profitability: Audited profitable records with positive net worth (2 yrs)
  • Turnover: Minimum annual turnover based on loan size requirements
Financial Standing & Credit Profile
  • CIBIL Score: CIBIL score of 700+ (Personal & Commercial Bureau)
  • Cash Flow: Healthy primary current account cash inflows over 12 months
  • Existing Debt: Balanced Debt-Service Coverage Ratio (DSCR)
  • Tax Compliance: Regular GST filings and timely income tax payments
Standard Business KYC Documents
  • Identity Proof: PAN Card of Business Entity, Promoters, and Directors
  • Address Proof: Utility Bills, Rent Agreement, or Ownership Deed
  • Business Registration: GST Registration, Udyam MSME, or Incorporation
  • Photos: Passport-size photos of all partners, proprietors, or directors

Document Checklist

Financial Documents (Self-Employed / MSME)
  • Tax Records: Last 3 years ITR with total income computation sheet
  • Audited Reports: Certified Profit & Loss account and Balance Sheet
  • Bank Statements: Primary current account statements for last 12 months
  • Tax Filings: Latest 12 months GST returns (GSTR-3B and GSTR-1)
Property Documents (Shed & Office Loans)
  • Agreements: Allotment letter, draft Sale Agreement, or Purchase Deed
  • Technical Drafts: Approved Building Plan, Layout, and Sanctioned Map
  • Property Titles: Complete Chain of Title Deed documentation
  • Clearances: NOC from Industrial Development Corporation (GIDC) or Authority
Asset Documents (Machinery Loans)
  • Proforma Invoice: Official quotation from authorized machinery vendor
  • Technical Specs: Machine specifications, output capacity, and lifetime report
  • Import Papers: Bill of Entry and LC documents (for imported machinery)
  • Margin Money: Proof of down payment / margin money contribution

Simple & Hassle-Free Commercial Loan Process

We take the friction out of corporate and industrial financing. Our advisors manage everything from credit profiling to final disbursal.

Pro Tips for Securing the Best Commercial Loan Terms

Maximize loan sanctions, lower overall borrowing costs, and protect your working capital with expert financial insights.

Our Banking & Lending Partners

Commercial Loan Calculator

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Commercial Loan FAQs

Yes, lenders offer construction loans for industrial sheds on leased land, provided the lease agreement is registered and has a duration exceeding the loan tenure.

Most banks and financial institutions fund up to 80%–90% of the machinery’s proforma invoice value, depending on your business turnover and credit profile.

Commercial property loans typically feature flexible repayment tenures ranging from 5 to 15 years.

We manage the end-to-end borrowing process—from comparing 120+ banks and NBFCs to structuring balance sheets, resolving legal/technical queries, and securing maximum loan limits with low interest rates.

At Devam Finserve, we believe financial growth should be simple, transparent, and accessible. Our experienced advisors work closely with you to structure custom loan, investment, and asset protection strategies that secure your financial future.

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