top of page

For many, having a house to call their own is a life goal, but finding ways to pay for it can be a hassle. Today Finserv Construction Loan is a perfect financial solution with easy approval, low interest rates, and repayment options. Whether you’re building a new house, remodeling an old one, or working on an unfinished project, a construction loan can help you keep your finances in check.


What is a Construction Loan?


A Construction Loan or Construction short-term loan is a type of home loan or mortgage meant for a home or commercial property, which provides funding in increments as a property is completed. Unlike a Typical Home Loan which provides a lump sum payment, a construction loan is paid as the work progresses.


Features of a Construction Loan


  • Payments Made In Portions: Funding is provided as installments or “tranches” depending on construction progress.

  • Adaptable Loan Length: Usually between 1 to 5 years and can later be adjusted to a Home Loan.

  • Better Than Personal Loans: Construction loan rates are more affordable.

  • Today Finserv offers full support: Finserv aids with approvals and documentation.


Benefits of Today Finserv Construction Loan


Construction Loan Customization

Today Finserv ensures smooth construction by offering a loan of up to ₹5 Crores*, based on eligibility.


Construction Progress Payments

Reducing the financial burden, the loan amount provided is given in relation to the construction progress.


Low rates of 8.50% for Construction Loan

Its interest rates are low, making repayment affordable.


Early Settlement of Loan with No Charge

Early loan repayment is allowed without interest saving on overall costs.


Construction Loan with Easy Steps

Quick processing and minimal paperwork ensures construction loan approval in under 72 hours.


Loan to Cover Various Requirements

  • New home construction

  • Renovation/extension of existing property

  • Completion of unfinished projects


Eligibility Requirements For A Construction Loan By Today Finserv


For salaried employees:


  • Age: Between 23–60 years

  • Minimum monthly salary: ₹25,000

  • Minimum work experience: 2 years


For business owners and self-employeds:


  • Age: Between 25–65 years

  • Minimum ITR: ₹3 Lakhs per annum

  • Minimum business age: 3 years


Geographic Restrictions:


  • Must be a legal construction project of approved status

  • Cleared legal claim on property boundaries and required permits


Documents Needed For A Construction Loan


Identity Proof:


  • Aadhaar Card

  • PAN Card

  • Driving License/Voter ID/Passport


Income Proof:


  • For employees: Last 3 months salary slips and Form 16

  • For self-employed: 2 years ITR and profit and loss statement


Property Documents:


  • Approved construction blueprints and land holding documents

  • Construction contract (if applicable)



How to Get a Construction Loan from Today Finserv?


Verify Online Eligibility

Head to Today Finserv’s webpage and complete a short application form.


Upload documents

Provide required documents to be checked.


Loan Approval and Sanction

Receive feedback in 72 hours on approval and receive a loan offer.


Payments released as construction phases progress

Money is released in stages based on the construction work completed which includes the plinth, lintel, and roofing.


Construction Loan Interest Rates and Repayment Options


Interest Rate: Starting from 8.50% p.a.


Loan Tenure: Up to 20 years (after converting to a home loan)


Processing Fees: 0.5% to 2% of the loan amount


Flexible EMI Plans: EMI Plans available


Why Today FinServ For A construction Loan?


  • Fast and Paperless: Minimal paperwork/documentation, faster loan approvals and disbursements.

  • Zero Hidden Charges: Straightforward Pricing

  • Inhouse experts and Loan Managers: For Tailored support to help throughout the loan journey

  • Top-Up Loan Facility: Extra money can be added if additional funds are required.

  • Loan Transfer Option: Move over existing high-interest loans to Today Finserv.


A Construction Loan from Today Finserv ensures borrowers can secure loan against the property and construction can directly begin on the house which the customer is dreaming to build. The applicant gets to use a low cost construction linked loan and with Today Finserv you can seamlessly manage the loan with flexible repayments and uncomplicated approvals.

 
 
 

At Today Finserv Consulting India, we make finding the right money simple and fast. We’ve built our commercial loan services to fit the real-life challenges of Indian entrepreneurs, small and medium-size companies, and big enterprises. With us, you get the money you need without extra red tape.


What is a Commercial Loan?


A commercial loan is funding that businesses like yours get to cover things like day-to-day costs, major purchases, or big growth plans. Banks, NBFCs (that’s Non-Banking Financial Companies), or financial guides like Today Finserv can write these loans.


Commercial loans are different from personal loans because they are made just for business. They usually have bigger amounts, flexible timing, and repayment plans that match how cash comes in and out of your company.


Who Can Benefit from a Commercial Loan?


Commercial loans are handy tools for almost any size or type of business, including:


  • Manufacturing Firms: Funds can pay for new plants, production lines, or robotic systems.

  • Retail and Wholesale: Seasonal spikes and stacked shelves are easier to manage when you borrow to cover inventory.

  • Construction Companies: Money can be directed toward new building sites or to buy big machines like cranes and concrete mixers.

  • Startups and Small to Medium Enterprises: A little cash can cover daily expenses until you start bringing in customers.

  • Service Businesses: Money can upgrade your office, buy new software, or open a new branch.


Whether you’ve run a company for years or are just putting your first plan on paper, a commercial loan can help your business grow faster and with more muscle.


Loan Options We Provide


Term Loans

These loans are like a long-range plan. You borrow a lump sum to buy big items like a factory or a fleet of delivery vans, and then pay it back over 1 to 10 years.


Working Capital Loans

Think of these loans as a cushion for everyday bills payroll, electricity, supplies, or ads so your cash flow stays steady.


Equipment Financing

If your business relies on tools and machines, this option helps you lease or buy new gear without emptying your savings.


Loan Using Your Property (LAP)

Get a big loan by using your home or office property as security. LAP charges lower interest and lets you borrow more money.


Overdraft Services

This smart credit lets your business spend a little more than what’s in your current account. You can withdraw cash up to a limit we agree on, and you pay interest only on what you use.


Commercial Vehicle Loans

Buy trucks, vans, or any business ride without hurting your cash flow.


Why Smart Businesses Choose Today Finserv?


Picking the right lender can change everything. Thousands of business owners trust us, and here’s why:


  • Loans Tailored Just for You

  • Fast, Clear, and Fair Processing

  • Low Rates and Flexible Payback Plans

  • Light on Paperwork

  • Friendly Financial Advice

  • Support Every Step to Your Loan


We link you to leading banks and NBFCs, so you get the best deal in no time and without the fuss.



Eligibility Criteria


When it comes to commercial loans, most lenders look at how long you’ve been in business, what you do, and your company’s credit health. Here’s what you usually need:


  • You should have been operating for at least 1 to 3 years.

  • Your business must have a valid registration or license.

  • You need positive cash flow and solid financial records.

  • A credit score of 650 or higher is generally required.

  • If you’re going for a secured loan, you’ll need collateral, but it’s not a must for unsecured loans.


Documents Required


We want to make the paperwork as easy as possible, so you can get the funds you need, fast. The basic documents you’ll need are:

  • KYC documents, like Aadhar, PAN, or Passport.

  • Your Business Registration Certificate and GST registration.

  • Income Tax Returns for the last 2 to 3 years.

  • Bank statements covering the last 6 to 12 months.

  • A Balance Sheet and a Profit & Loss Statement.

  • Property documents, if you’re applying for a Loan Against Property.


Our team is always ready to help you gather and check these papers, so you don’t run into any hold-ups.


How to Apply for a Commercial Loan with Today Finserv?


Getting started is simple:

  • Contact Us: Visit our website or just call our helpline.

  • Get a Free Consultation: Talk to one of our loan specialists. They’ll listen to what you need and recommend the best options.

  • Document Submission: Hand in the business and ID paperwork you’ve collected.

  • Loan Matching: We’ll search offers from several lenders and find the best deal for you.

  • Approval & Disbursement: Once you’re approved, the cash usually lands in your account in 48 to 72 hours.


Tips to Boost Your Loan Eligibility


  • Keep your financial records tidy.

  • Pay taxes by the due date.

  • Cut down on existing loans.

  • Keep your credit score strong.

  • Avoid bounced cheques and missed EMIs.


Our advisors create a personalized roadmap to help you strengthen your loan profile and improve approval odds.

A commercial loan is more than cash; it’s the chance to grow. Get the right funds at the right time, and you can push your business forward. Today Finserv Consulting India is your go-to financial partner, offering smart advice, quick loan releases, and connections to India’s best lenders. Together, we’ll turn your vision into a successful future.

 
 
 

In the rapidly changing industrial environment, business vision and determination alone is not enough it has to be complemented by the appropriate financing to actualize ideas into production. Whether you are planning to set up a new manufacturing unit, modernize old machinery, or expand existing operations; industrial loan provide the much needed financial fuel for sustainable busniness growth. At Today Finserv, we offer tailored loan solutions that meet the specific needs of your business because we know the industrial finance landscape.


What Is An Industrial Loan?


An industrial loan is a type of business financing structured for specific industries such as manufacturing, construction, mining, textiles, chemical processing and other related enterprises. These types of loans can cover various expenses, including:


  • Establishing new production

  • Buying industrial machinery and equipment

  • Construction of new facilities or expansion of the existing ones

  • Providing funds for operations and working capital

  • R&D activities

  • Implementation of energy-efficient technologies

  • Improvements in energy efficiency


Service for industrial loan also differ from business loans in that they tend to provide greater value, longer maturities, and carefully reviewed project assessments. This ensures that the funding provided to the business suits the operational requirements, cash flow trajectory, and ROI estimate.


The Importance of Industrial Loan in the Modern Economy


The industrial segment remains one of the most important driving forces of a country’s economy. It determines the GDP figure, the amount of employment generated, and even exports of the country. However, this sector is heavily reliant on capital. There are significant international market pressures, high upfront costs, and compliance with regulations making access to affordable credit essential.


why industrial loans are critical?


  • Scalable Growth: New markets or product lines can be accessed by diversifying operations. Ownership is not diluted because industrial loans are available at scale.

  • Technological Advancement: Upgrading to automation, green energy, and adapting to changes globally demands a shift to Industry 4.0. Loans can ease the funding burden for adoption.

  • Job Creation: Increased projects or expansion adds new socio-economic employment opportunities.

  • Export Competiton: Financial facilities enable meeting production criteria for global demand.


Features of Today Finserv Industrial Loan?


At Today Finserv, we don't see ourselves as just lenders and our clients as mere borrowers. We seek to engage our clients as partners whose financial growth aspirations we can support. Our industrial loan products have been created with flexibility, transparency, and ease of access as their foundations. Key features include:


High Loan Amounts

Depending on your project size, creditworthiness, and detailed business plan, we now offer loan amounts between ₹50 lakhs to ₹50 crores or beyond.2. Flexible Repayment Tenure


Flexible Repayment Tenure

Tenure options extend to 10-15 years, and we also provide a moratorium period which depends on the nature of the project.


Competitive Interest Rates

Our lending objectives focus on achieving affordable and sustainable industrial borrowing with interest rates starting from 9.5% per annum.


Quick Processing & Disbursal

We understand that in business, time is of the essence. With our streamlined application procedure, we guarantee prompt loan approval and disbursal because we cut through all the red tape.


Collateral-Free Options

Unsecured industrial loans are available for qualifying businesses through government programs CGTMSE or MSME support schemes.


Dedicated Relationship Managers

Our specialists assist you through every step of the process from documentation to follow-ups post-disbursal, ensuring all procedures are completed effortlessly.


Types of Industrial Loan We Offer


Today Finserv has an array of industrial loan products and services tailored to your unique requirements:


  • Term Loans: for capital expenditures such as purchase of land, construction, or setting up the plants.

  • Working Capital Loans: for operating finances to purchase raw materials as well as seasonal demands.

  • Equipment Financing: for the acquisition of necessary machinery, vehicles, or technology tools for production.

  • Project Financing: suitable for large-scale industrial undertakings, structured repayment corresponds to project milestones.

  • Loan Against Property (LAP): Release the equity tied up in your industrial or commercial property to further your business expansion.

  • Government-Supported Loans: We extend loans under SIDBI, Mudra and other government development policies.


Who is Eligible?


Our industrial loans are available for:

  • Manufacturing and processing MSMEs and large businesses.

  • Export-oriented units (EOUs).

  • Startups in the industrial sphere with feasible project proposals.

  • Established industrial units undergoing expansion or diversification.

  • Contractors and developers in charge of industrial construction projects.


Eligibility criteria also includes:

  • Business vintage of at least 2-3 years (for existing firms).

  • CIBIL score of 700+ (for promoters/owners).

  • Comprehensive project report (for new initiatives).

  • Applicable licenses, permits alongside environmental clearances.


Required Documentation


The application process for industrial loans with Today Finserv is straightforward. Below is a general list of documents that need to be submitted.

  • KYC documents along with PAN and Aadhaar card.

  • Business registration documents such as GST, Udyam, and Incorporation Certificate.

  • Audit reports of the last 2-3 years.

  • 6-12 months bank statements.

  • Project report detailing associated costs and projected revenues.

  • For secured loans, the property documents are required.

  • Any relevant environmental and industrial approvals.



Why Choose Today Finserv?


Amongst several competitors, Today Finserv remains unique with its customer-first approach. Here is what makes us the industrial finance partner of choice for thousands of businesses across India:


  • Access to Information Borrowers are able to engage in informed decision making due to our vast sectoral knowledge.

  • No hidden costs, clear agreements, and straightforward dialogue all uphold our transparent processes.

  • The entire digital application process can be completed through our mobile app and portal. Documentation submission, application status tracking, and repayment management can all be conducted digitally.

  • Loans can be customized through various structures. We provide options for interest-only EMIs, bullet repayments, and even seasonal repayment plans.

  • Assistance is offered to new entrepreneurs through guidance and customized startup loan options.


Have unshakeable confidence as you build the future with us


Industrial loan are an investment not only in capital, but also in your vision, product, and potential. Together with Today Finserv, confidently access funding required to elevate your industrial business. Whether you are venturing on your first plant or celebrating your tenth expansion, we’re here to fuel your success story.


Are you prepared to advance?


To embark on your industrial loan journey, reach out to Today Finserv via phone or web submission for immediate assistance.

 
 
 
bottom of page