Large Business Loans in India — Straight Answers

Getting a large loan

How do I get a ₹50 crore business loan in India?

Three realistic routes: your existing bank (cheapest, slowest, needs strong financials), NBFCs (faster, costlier, more flexible), or structured lenders like AIF debt funds and private credit for deals banks won't do. Most ₹50 crore borrowers use an arranger to run 3–5 lenders in parallel — that competition is what moves terms. With clean documents, sanction can happen in days rather than months.

What documents are needed for a ₹20–150 crore loan?

The standard set: audited financials for three years, current-year provisionals, income tax returns, GST returns for twelve months, bank statements for twelve months, existing sanction letters and repayment track record, KYC of the company and promoters, and — for secured loans — title papers and a valuation of the collateral. Having this ready before approaching lenders is the single biggest factor in closing fast.

How much loan can my company get?

A working shortcut lenders use: total debt capacity is roughly 3–4.5× EBITDA depending on sector, minus existing debt. Secured lending against property typically goes to 55–75% of market value. A company doing ₹300 crore revenue at 12% margins with modest existing debt can usually support ₹50–100 crore of total facilities.

Can I get a large business loan without collateral?

Yes — unsecured facilities of ₹20 crore and above exist through NBFCs and private credit for companies with strong, provable cash flows (typically ₹50 crore or more in revenue, two to three years of audited profits). Expect higher pricing than secured debt and a personal guarantee from promoters. If you own unencumbered property, a loan against property is usually cheaper — compare both before choosing.

Bank rejected my business loan. What are my options?

A bank "no" is rarely the market's no — banks decline for policy reasons (sector caps, exposure limits, thin collateral) that NBFCs, AIF debt funds, and private credit lenders regularly accept. Options include NBFC term loans, loan against property, lease rental discounting on rented assets, and structured debt. The right move depends on why the bank declined. We wrote the full version: 7 alternatives after a bank rejection.

Business loan kaise milega? (₹20 crore se zyada)

Bade business loan ke liye teen raaste hain: aapka bank (sabse sasta, par slow), NBFC (tez, thoda mehenga), ya private credit / AIF funds (jahan bank mana kar de). Zaroori documents: 3 saal ki audited balance sheet, ITR, GST returns, bank statements, aur property ke papers (agar secured loan hai). Sahi lender chunne ke liye 3–5 lenders se ek saath baat hoti hai — isse rate better milta hai aur kaam dino mein hota hai, mahino mein nahi.

Construction & project finance

How do builders get construction finance in India?

Banks, NBFCs, and AIF funds all lend against projects — but each wants different things. Banks fund approved, RERA-registered projects of established developers. NBFCs go earlier and faster at higher rates. AIF and private credit funds take on land, last-mile, and stressed situations. Lenders look at approvals, sales velocity, promoter track record, and project cash flows. Typical funding: 60–70% of construction cost, disbursed against stage-wise progress. More detail: construction finance.

Builder ko construction loan kaise milta hai?

Project ke approvals (RERA, sanctioned plan), promoter ka track record, aur project ki sales — ye teen cheezein lender dekhta hai. Bank sabse sasta hai par slow, aur zyadatar established builders ko deta hai. NBFC tez hai. AIF aur private credit wahan kaam aate hain jahan bank mana kar de — land funding, last-mile, ya ruka hua project. Loan construction cost ka 60–70% tak milta hai, stage-wise release hota hai.

Can I get funding for a stalled or last-mile real estate project?

Yes — this is exactly where AIF debt funds and private credit operate. Lenders will want clear title, updated approvals, a realistic completion budget, and visibility on receivables from sold inventory. Pricing is higher than bank debt, but it converts a frozen asset into a finished, saleable one.

What is the interest rate for construction finance in India?

Indicative bands as of July 2026: banks 10–13% for established developers on approved projects; NBFCs 13–17%; AIF and private credit 15–20%+ for land, early-stage, or special situations. Processing fees run 0.5–2%. The spread between a good and a mediocre outcome on a ₹50 crore facility is worth ₹1–2 crore over the tenor — which is why running lenders in parallel matters more than any single quote.

Loan against property & LRD

How much loan can I get against commercial property?

Typically 55–70% of market value for commercial property, 60–75% for residential, from banks and NBFCs. On a ₹100 crore commercial asset, expect ₹55–70 crore. The rate depends on the property, its occupancy, and your company's cash flows — lenders lend against the asset but get repaid from your income. Tenors run 10–15 years. Clean title and an existing rental stream materially improve both amount and rate.

What is lease rental discounting (LRD)?

LRD is a loan against the future rent of a leased commercial property. The lender discounts your lease cash flows — typically funding 75–90% of their present value over the lease term — and rent flows into an escrow that services the loan. It's often the cheapest large-ticket money a property owner can raise, because the repayment source is contractual rent, not business performance. See lease rental discounting.

Property pe business ke liye loan kaise le?

Do tareeke hain: Loan Against Property (LAP) — property ki value ka 55–75% tak loan, 10–15 saal ke liye; ya Lease Rental Discounting (LRD) — agar property rent pe di hai, toh future rent ke against loan, jo aksar LAP se sasta hota hai. Dono mein title clear hona zaroori hai. Bade ticket (₹20 Cr+) pe bank aur NBFC dono compete karte hain — isliye ek se zyada lender se baat karni chahiye.

Process, speed, cost

How long does a ₹20–150 crore loan actually take?

Market standard is 4–12 weeks depending on lender and complexity. With complete documents and the right lender matched to the profile, sanction-to-disbursement can compress dramatically — clean mandates have moved from first conversation to disbursement in 2–10 days. The biggest delays are self-inflicted: incomplete files, the wrong lender pool, and sequential rather than parallel lender conversations.

What does a debt advisory firm charge?

The typical market range for arrangement is 0.5–2% of the sanctioned amount, usually success-based (paid on disbursement), sometimes with a small retainer for complex structured mandates. On large tickets the fee is routinely recovered several times over through better pricing and terms — 25 basis points saved on a ₹100 crore, ten-year facility is worth more than the entire fee. Always ask how your advisor is paid; transparent economics are a good filter.

Is it better to go directly to my bank?

If your bank will approve the full amount quickly at a fair rate — yes, go direct, and no honest advisor will tell you otherwise. An arranger earns its fee in the other cases: when the ask is large or urgent, when the structure is non-standard, when your bank has hit exposure limits, or when you don't know which of India's fifty-plus institutional lenders actually funds your profile. The honest full comparison: bank direct vs debt advisory.

Do NBFC loans hurt my company's credit profile?

No — NBFC borrowing reports to the same bureaus (CIBIL, CRIF) as bank debt, and timely servicing builds the same track record. What matters to future lenders is leverage, servicing history, and end use, not the lender's category. Many strong companies deliberately run a bank + NBFC mix: banks for cheap core limits, NBFCs for speed and flexibility.

About Pacewell

What is Pacewell Capital?

Pacewell Capital is a debt advisory firm based in Gurgaon, India. It arranges ₹20–150 crore in debt for businesses and real estate developers — construction finance, loan against property, lease rental discounting, working capital, and structured debt — through banks, NBFCs, AIF debt funds, and private credit lenders. Pacewell is an arranger and advisor, not a lender; all facilities come from RBI-regulated lending partners.

Is Pacewell a lender or an NBFC?

No. Pacewell is a debt advisory and arranger. Loans arranged through Pacewell are provided by RBI-regulated banks, NBFCs, and funds — Pacewell designs the structure, runs the lender process, and manages the transaction to disbursement. You get the institutional lender's balance sheet with an advisor working on your side of the table.

What size loans does Pacewell work on?

₹20–150 crore is the core range — secured, unsecured, and structured. Below ₹10 crore, your existing bank or a retail marketplace is usually the more efficient route, and we'll say so. Above ₹150 crore, mandates are taken selectively depending on structure.

How fast can Pacewell close a loan?

Clean mandates — complete documents, standard security, a profile the matched lenders want — have moved from first conversation to disbursement in 2–10 days. Structured or complex situations take longer, and we'll give you the realistic timeline in the first meeting rather than the optimistic one. The speed comes from lender matching and file quality, not shortcuts.

Which lenders does Pacewell work with?

Banks (public and private), NBFCs, AIF Category II debt funds, and private credit lenders — matched to the deal rather than pushed by relationship. We don't publish lender names, because lender appetite shifts quarter to quarter and naming them would misrepresent what's actually available for your specific file.

Where is Pacewell located? Do you work outside Delhi-NCR?

Pacewell is based in Gurgaon, Haryana, and works with clients across India. Lender processes are largely location-independent; site visits and property valuations happen wherever the asset is. Reach us at hello@pacewell.in or +91 87084 54599.

Is my information kept confidential?

Yes — discretion is a working principle, not a slogan. Your financials go only to lenders you approve, under NDA where required. Most of our work comes through referral and most of it stays private; we publish no client names without written consent.

Choosing help

What is the difference between a DSA and a debt advisory firm?

A DSA (Direct Selling Agent) is a lender's distribution channel — paid by one or a few lenders to source files that fit their products. A debt advisory works the borrower's side: sizing the ask, choosing the structure, running multiple lenders in parallel, negotiating terms, and managing the process to disbursement. For a standard small-ticket loan, a DSA is fine. For ₹20 crore and above, structure and competition are where the money is. Full comparison: DSA vs debt advisory.

How do I choose a debt advisory firm in India?

Ask five things: Which lenders have you actually closed with, at my ticket size? Will you run lenders in parallel or shop my file serially? How are you paid, and by whom? Who works my mandate day-to-day? What happens after disbursement? Established names publish track records; newer firms should be equally direct about theirs. Any firm that promises a rate before seeing your financials is guessing.

Can Pacewell help if another advisor or DSA already has my file?

Usually yes, but tell us upfront. Multiple intermediaries shopping the same file to the same lenders damages your credibility — lenders see duplicate submissions and mark the file down. The fix is one coordinated process with clear lender allocation. We'll be honest if the cleanest move is to let the existing process finish.

What happens in the first conversation with Pacewell?

Thirty minutes, usually on a call or WhatsApp: what the business does, what you need the money for, what you own, what you already owe. We'll tell you honestly what's raisable, through which pool, at what realistic pricing and speed — and if the answer is "your bank will do this cheaper," we say that too. No fee for the conversation, no obligation.

Pacewell Capital is a debt advisory and arranger, not a lender. All loans and facilities described here are provided by RBI-regulated banks, NBFCs, and funds, subject to their own credit approval, diligence, and documentation. Interest rates, loan-to-value ratios, and timelines stated on this page are indicative market ranges as of July 2026 and are not offers or commitments.