Customer Login

Apply Now

Growing a business requires timely access to capital. With BNF’s Secured MSME

Secured MSME Loans

Property Backed Financing by BNF

Growing a business requires timely access to capital. With BNF’s Secured MSME – Property Backed Loans, you can unlock the value of your property and get financing designed around your business needs. By pledging your residential or commercial property, you can secure funds at affordable interest rates, while still retaining ownership of your asset.

This product is created exclusively for micro, small, and medium enterprises (MSMEs) looking to:

  • Expand operations
  • Manage working capital
  • Purchase machinery or inventory
  • Consolidate existing debts with the stability of long-term financing

Key Benefits for MSMEs

Affordable Financing

Lower rates than unsecured business loans

Higher Loan Amounts

Borrow up to 70% of your property’s market value

Flexible Tenure

Repayment periods up to 12 years to ease cash flow

Business Growth Support

Suitable for working capital, machinery, inventory, vendor payments, or expansion 

Retain Ownership

Continue using your property while it serves as security 

Who Can Apply?

  • MSME owners and entrepreneurs
  • Individuals engaged in business or professional activities
  • Age between 21 and 65 years
  • Applicants with steady income or proven business cash flows
  • Owners of residential or commercial property

Required Documents

For Business Owners / MSME Applicants:

  • KYC: PAN (mandatory), Aadhaar, Passport, Voter ID, or Driving License
  • Business Proof: GST registration, Shop & Establishment certificate, Udyam Registration, or Partnership Deed
  • Income Proof: Income Tax Returns, audited financials (as available), bank statements
  • Other: Loan application form with photo, processing fee cheque
  • Property: Title deed and proof of clear ownership

For Salaried Co-Applicants (if any):

  • KYC: As above
  • Income Proof: Latest salary slips, Form 16, and 6-month bank statement

MSME-Focused
Solutions

Tailored loan products designed to fuel MSME growth, addressing real business needs with flexibility and precision.

Quick, Transparent,
and Flexible

Simple documentation, fast processing, and repayment structures aligned with business cash flows.

A Trusted
NBFC Partner

With a customer-first approach, we deliver reliable service, strong governance, and lasting partnerships.

Frequently Asked Questions

What is MSME Secured Loan?

MSME Secured Loans – Powering Your Business Growth  

Micro, Small and Medium Enterprises often need funding that matches their evolving business needs. Whether you’re introducing a new product line, expanding into fresh markets, upgrading technology, building additional capacity, or strengthening working capital, our Secured MSME Loans are built to help you grow confidently.  

By leveraging the value locked in your residential, commercial or industrial property, you can access affordable, high-value loans designed specifically for entrepreneurs and small businesses. With our pan-India network and quick turnaround, you get a smooth borrowing experience from start to finish. 

Why Choose Our Secured MSME Loans?

Loans tailored to MSMEs across manufacturing, trading, and services sectors  

High loan amounts against self-owned property in urban and semi-urban areas  

Flexible repayment terms with transparent processes  

Funding available for a wide range of business needs — expansion, working capital, infrastructure, equipment purchase, marketing and more 

Who Can Apply?

We extend secured loans to:  

Small shop owners and petty traders  

Wholesalers and distributors  

Small and micro manufacturing units  

Service-based micro enterprises  

Farm equipment dealers  

Self-employed professionals such as doctors, architects, consultants 

Purpose of Loan Against Property

Funds availed can be used for:  

Business expansion or diversification  

Upgrading plant, machinery or technology  

Building or refurbishing business premises  

Working capital requirements  

Any legitimate personal need (excluding speculative or restricted uses) 

How Eligibility Is Determined

Your borrowing limit is assessed based on your repayment capacity, which may include:  

Business income and cash flow  

Age and qualifications  

Credit history and existing liabilities  

Additional income sources such as spouse’s earnings 

 

Key Features & Benefits

Loan amounts up to ₹30 Lakhs  

Tenure typically ranging from 5 to 12 years (up to 15 years in select cases)  

Hassle-free application process with end-to-end guidance  

Flexible repayment options and transparent charges  

Dedicated relationship managers for support 

Security Requirements

Primary security: first charge on the mortgaged property through deposit of title deeds 

Collateral, if required, as per loan policy  

Property must have clear, marketable title and be free from encumbrances or legal disputes