Finance your next commercial space.
Office, shop, or commercial property — funding tailored to your business plan.
Commercial Loan
A commercial loan from Skyline Finserv helps you purchase, construct, or renovate office spaces, shops, showrooms, or commercial complexes. We work with 15+ banking partners to structure the right financing for your business property needs — with competitive rates and minimal paperwork.
Key features & benefits
Finance for any commercial property
Office spaces, retail shops, showrooms, warehouses, and commercial complexes — all eligible.
Up to 75% of property value
Get financing up to 75% of the registered value or market value of the commercial property.
Flexible tenure up to 15 years
Repayment tenure up to 15 years keeps EMIs business-friendly without impacting cash flow.
Competitive interest rates
We compare 15+ lenders to secure the most competitive rate for your commercial property profile.
Business tax advantage
Interest paid on a commercial property loan is deductible as a business expense under the Income Tax Act.
Balance transfer option
Already have a commercial loan at a higher rate? We can help you transfer to a lower-rate lender.
Who can apply?
Salaried Individuals
- Age: 25–60 years (at loan maturity)
- Stable employment with minimum 3 years experience
- Minimum monthly income: ₹40,000
- CIBIL score: 700+ preferred
Self-Employed / Business Owners
- Age: 25–65 years (at loan maturity)
- Business vintage: minimum 3 years
- Consistent income proven via ITR (last 2 years)
- CIBIL score: 700+ preferred
- GST-registered business preferred
Documents required
We collect documents at your doorstep — no branch visits needed.
Common (All Applicants)
- PAN Card
- Aadhaar Card
- Passport-size photographs
- Completed loan application
Salaried Applicants
- Last 3 months salary slips
- Last 6 months bank statements
- Form 16 (last 2 years)
Self-Employed / Business
- ITR with computation (last 2 years)
- Audited financials (P&L + balance sheet)
- GST registration and returns
- Last 12 months bank statements
- Business KYC documents
Property Documents
- Sale deed / agreement to sell
- Approved building plan
- Completion certificate / OC
- Property tax receipts
- Encumbrance certificate
- NOC from society or competent authority
Best tips for commercial loan
Confirm the property has all required approvals (CC, OC, fire NOC) before applying — missing approvals cause rejection.
Commercial loan rates are slightly higher than home loans — compare processing fees too, as they can be significant.
A detailed business plan helps lenders assess your ability to service the loan from business income.
Check if the commercial property is in a lender-approved project — it speeds up the process considerably.
Consider the rental income potential of the property — some banks factor this into your eligibility.
Calculate your monthly EMI
Adjust the sliders to see exactly what you'd pay each month.
Need a loan? Get instant approval.
Low interest rates from 8.5% p.a. · 15+ bank partners · Sanction in 3–7 days · Zero cost to you.