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Profectus Capital (Loan against property)

Profectus Capital focuses on providing customized financial services to enterprises in the manufacturing and service industries, catering to their specific needs. Within the financial services industry, Profectus Capital focuses on offering financing options to small and medium enterprise (SME) companies. The organization provides a variety of products, including equipment finance to facilitate the purchase of machinery and tools and loans for working capital for ongoing business needs.

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Profectus Capital (Loan against property)

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Here are a few factors

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Location	150 Km from Branch
CIBIL Score	700+
Applicant	Any Self Employed Person
Applicant Age	23 Year to 55 Year
Loan Amount & Tenure	(i) (a) Manufacturer: Loan Amount-25 Lac to 5Cr (b) Trader: Loan Amount: 25 Lac to 1.50 Cr (ii) Tenure: (a) Residential/Commercial-5 Year to 10 Year (b) Industrial-Upto 9 year
Login Fees	6500+
Rate of Interest & Type	13.75%-14.50% (Reducing)
TAT	Sanction-10 Days Disbursement-within 3 days after submission of documents
Processing Fees	Upto 1.50%+GST
Foreclosure Charges	Upto 24 Month-5% 24M-36M-4%>36M-3%,48M>2%
Insurance	1%-4%
Minimum Business Vintage	3 Year
Lock In Period	12 Month
Part Payment Allowed	No
LTV	(i) Residential-90% (ii) Commercial-90% (iii) Industrial-70% (iv) Plot-70% (v) if Machinery is Mortgaged then in case of Industrial Property & Plot 20% extra funding & for Residential or Commercial-then upto 100% funding
Product	(i) Fresh Loan (ii) BT+Topup (iii) Commercial & Industrial Purchase (iv) Auction Purchase (v) Seller BT+Topup
Program	(i) Income Program-3 Cr (ii) LIP Program- 3 Cr (iii) Without ITR-3 Cr (iv) Banking Product-3 Cr (v) GST Progrma-3 Cr
FOIR	90% of Cash Income
Cautious Profile	Service Provider
Negative Profile	(i) Politician (ii) NRI (iii) Real Estate (iv) Applicant living in dominated area (v) GYM (vi) Advocate (vii) Jewellers (viii)Share Traders (ix) Liquor Seller (x) Salaried Applicant
Funded Property	(i) Residential Property (ii) Commercial Property (iii) Industrial Property (iv)Plot (v) Khasra-Khatauni Property (vi)Un-approved Property (vii)Gram Panchayat Property (viii) Legal & technical not clear (ix) Sub-divided Property (x)Without MAP Property (xi)Subject to Sale Deed (xii) Regularized Colony (xiii) Stone Slab Property (xiv) Basement with 1st Floor (xv) Multi Tanented Property upto 5 Tanent (xvi) School (xvii) Hospital & Nursing Home (xviii) Hotel & Restaurant (xix) Single Sale Deed (xx) Lal Dora Property
Negative Property	(i) GPA Property (ii) Demolition List Property (iii) Bachha Flat (iv) Property in dominated area
Accepted Collateral	Other than Negative Property
Specific Property wise Funding Limit	On all property upto 3 Cr
Any Specific Product for Professionals	No Specific Product
USP	(i) 100% LTV for Commercial & Residential & 90% For Industrial (ii) 125% Projected Income is also considered of last 3 year average income. All type of cash income is taken
Additional	(i) UPSIDC Property which rarely people are doing they are doing (ii) Focus is only on Manufacturer & Traders

Work Process

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Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, you will receive your loan amount shortly.

Right Documents - Easy Process

Required Documents to Apply for Profectus Capital (Loan against property)

Salaried income documents

KYC of applicant & Co-Applicant
Last 3 Month Salary Slip of Applicant
Last 12 month Bank Statement of applicant & co-applicant
Last 3 year ITR with computation of income of applicant & co-applicant
Last 2 Year Form 16 of applicant
26AS of last 2 year of applicant & co-applicant
Appointment letter of applicant if available
Agreement to Sale if purchase case
Property Paper with complete chain of last 13 years
LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
Sanction letter of all running loan
Latest utility Bill if owned residence or rent agreement if rented
2 Reference with contact details

Self Employed person documents

KYC of applicant & Co-Applicant
Last 3 year ITR with computation of income of applicant & co-applicant
Last 3 year audited balance sheet of applicant
Last 3 year Tax audit report of applicant
Last 12 month Bank Statement of applicant & co-applicant
26AS of last 2 year of applicant & co-applicant
Copy of GST registration
Copy of MSME registration
Copy of Last 12 month GST return
Agreement to Sale if purchase case
Property Paper with complete chain of last 13 years
LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
Sanction letter of all running loan
Debt Sheet
Latest utility Bill of residence if owned or rent agreement if rented
Latest utility Bill of Office if owned or rent agreement if rented
2 Reference with contact details
Last 3 year Debtors & Creditors on letter head
List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP