Loan Against Property for Pharmaceutical Company

A loan against property offers a financial avenue by leveraging existing fixed assets to secure necessary funding for pharmaceutical companies. This financing method uses existing assets as collateral, reducing the risk for lenders and enabling businesses to secure more favourable terms like higher loan amounts, competitive interest rates, and extended repayment periods.

Given the pharmaceutical industry’s dynamic nature, this approach ensures liquidity while aligning with its evolving needs, making it a reliable solution for growth and operational stability. At Terkar Capital, we focus on tailoring such loans to maximize value in amount, ROI, tenure, and facility.

Key Features of Loan Against Property

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Advantages of Loan Against Property for Pharmaceutical Company

A Loan Against Property (LAP) can offer several advantages to pharmaceutical companies, especially when they need flexible funding for various needs. Here are some key benefits of LAP for a pharma company:

With LAP Pharma companies get access to larger loan amounts
LAP comes with lower interest rates compared to unsecured loans
It offers flexible pharmaceutical loan repayments based on cash flow and business cycles.
Retains business control without diluting ownership.
It is processed and disbursed, benefiting pharma companies needing fast funding for urgent needs.
Leverage property assets without disrupting operations or selling.
Improve cash flow by releasing capital tied up in property, improving liquidity for operations and investments.
LAP allows pharma companies to retain and use their property assets for financing without losing ownership unless they default.

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Eligibility of Loan Against Property for Pharmaceutical Company

Eligibility criteria typically include:

The pharmaceutical company must own residential, commercial, or industrial property, which will be used as collateral.
The company should be in business for a minimum number of 2-3 years
A good CIBIL score and financial history
Companies Financials (Balance sheets, profit & loss accounts, and ITR)
The Applicant’s age must be between 21 and 65 years

Documents Required to Avail LAP for Pharmaceutical Company

Salary slips of the past few months in the case of employed individuals.
Bank statements of the past 3 months or depending on the conditions laid by the lending institution.
PAN card/Aadhaar card, or any appropriate identity proof.
Address proof.
Copies of documents of the property on which the loan is being taken.
Income Tax Returns.

LAP Facility for Pharmaceutical Company at Terkar Capital

At Terkar Capital, we understand the unique financial needs of pharmaceutical businesses and offer tailored Loan Against Property (LAP) solutions to support their aspirations. By leveraging the value of your property, we help provide liquidity that can be reinvested into critical areas like expanding production capabilities, acquiring advanced equipment, or funding innovative drug research.

Our LAP solutions feature competitive interest rates, flexible repayment terms, and end-to-end assistance, ensuring a seamless and efficient borrowing experience. Hence, At Terkar Capital, we prioritize maximizing value for your business while enabling sustainable growth in this high-potential sector.

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FAQs on LAP for Pharmaceutical Company

Yes, pharmaceutical startups can apply for a LAP facility if they own eligible property and meet the lender's financial and creditworthiness criteria.

Lenders consider property value, type, and ownership when evaluating a loan against property for a pharmaceutical company. They assess the company's creditworthiness, financial health, and repayment capacity, along with the purpose of the loan.

The processing time for a loan against property (LAP) for a pharmaceutical company typically ranges from 7 to 14 days, Subject to multiple factors

In case of default, the lender may:

Report the default to credit bureaus, affecting the company’s and owner’s CIBIL.
Pursue legal action to recover the loan amount.
Negotiate a settlement or restructuring, depending on the circumstances.

Serving the Pharmaceutical Companies in

Terkar Capital is a registered brand of Terkar Global Financial Development Pvt Ltd, an Investment Banking Firm with a national footprint. We work extensively with professionals and businesses of all sizes to arrange debt funding instruments.