Loans





Structured Finance. Strategic Property Investments.

CapGro Core LLP is a financial advisory and mortgage consultancy firm affiliated with CAPGRO GLOBALX Pvt. Ltd., a company specializing in investments, stock market advisory, and insurance solutions.

While CapGro Globalx focuses on wealth creation and financial markets, CapGro Core LLP provides specialized services in mortgage solutions and Dubai real estate consultancy, helping clients access financing and global property investment opportunities.

Our approach combines financial discipline, professional advisory, and strong industry partnerships to help clients make confident financial decisions.

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Corporate Loans

Tailored financing solutions to power your business growth — from working capital to long-term expansion.

Loan Against Property (LAP)

Loan Against Property allows you to unlock the value of your residential or commercial property to raise funds. The property remains in your ownership while it is used as collateral for the loan. This financing option is commonly used for business expansion, education, medical needs, or personal financial planning. Compared to unsecured loans, LAP usually offers lower interest rates and longer repayment tenures. It is a structured way to access large funds without selling your property.

Business Working Capital Loan

A Working Capital Loan helps businesses manage day-to-day operational expenses such as inventory purchases, supplier payments, salaries, and cash flow gaps. It ensures that your business continues running smoothly without financial interruptions. These loans are designed for short to medium-term funding needs and can be structured based on the company’s cash flow. With flexible repayment options, businesses can maintain liquidity while focusing on growth.

Bank Guarantee (BG) / Letter of Credit (LC)

Bank Guarantee and Letter of Credit are financial instruments that help businesses build trust in trade transactions. A Bank Guarantee assures payment to a third party if the business fails to meet its contractual obligation. A Letter of Credit is commonly used in domestic and international trade to ensure secure payments between buyers and sellers. These instruments reduce financial risk and support smooth business operations.

Trade Finance (Import & Export)

Trade Finance helps businesses manage the financial requirements of importing and exporting goods. It provides funding to pay suppliers, manage shipping costs, and bridge payment gaps in international trade. These solutions improve cash flow and reduce the financial risk involved in cross-border transactions. Trade finance enables businesses to expand globally while maintaining stable working capital.

Overdraft (OD)

An Overdraft facility allows businesses or individuals to withdraw funds from their bank account even when the available balance is insufficient. It helps manage short-term cash flow needs and unexpected expenses. Interest is charged only on the amount actually used, making it a flexible financing option. Overdraft facilities are commonly used to maintain smooth business operations and financial liquidity.

MSME Loans

Tailored financing solutions to power your business growth — from working capital to long-term expansion.

Unsecured Business Loan

An Unsecured Business Loan provides funding for business needs without requiring property or asset collateral. It is typically used for expansion, equipment purchase, marketing, or working capital. Approval is usually based on the business’s financial strength and credit profile. This type of loan offers quick access to funds with flexible repayment options.

CGTMSE Loan (Collateral-Free MSME Loan)

CGTMSE loans help small and medium businesses access funding without providing collateral security. Under this government-backed scheme, banks can offer business loans supported by a credit guarantee. It is mainly designed to support MSMEs for business expansion, working capital, or new ventures. This scheme helps entrepreneurs obtain financing more easily and grow their businesses with institutional support.

Government Subsidy Loan

Government Subsidy Loans are financing schemes where part of the loan cost is supported through government incentives. These programs are designed to encourage business growth, entrepreneurship, and development in key sectors. Eligible applicants may benefit from reduced interest burden or capital subsidy under approved schemes. Such support helps businesses expand with more affordable and structured financing.

Retail Loans

Tailored financing solutions to power your business growth — from working capital to long-term expansion.

Home Loan

A Home Loan helps individuals purchase, construct, or renovate a residential property. The loan is repaid over a structured tenure through monthly instalments, making property ownership more affordable. Interest rates and tenure options are designed to suit long-term financial planning. Home loans allow families to own their dream home while managing payments in a planned manner.

Individual Loan Against Property (LAP)

Individual Loan Against Property allows you to raise funds by using your residential or commercial property as collateral. It can be used for personal needs such as education, medical expenses, business investment, or financial planning. The property remains in your ownership while the loan is repaid in structured instalments. LAP usually offers lower interest rates and higher loan amounts compared to unsecured loans.

Vehicle Loan

A Vehicle Loan helps individuals or businesses finance the purchase of a new or pre-owned car, commercial vehicle, or two-wheeler. The loan is repaid through easy monthly installments over a fixed tenure. This financing option makes vehicle ownership more affordable without requiring full upfront payment. Flexible repayment options allow borrowers to manage their finances comfortably while using the vehicle.

Personal Loan

A Personal Loan is an unsecured loan that can be used for various personal financial needs. It can help cover expenses such as medical emergencies, education, travel, home renovation, weddings, or debt consolidation. Since it does not require collateral, approval is generally based on income and credit profile. The loan is repaid through fixed monthly instalments over a selected tenure.


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Loans


Smart Financing Solutions Designed to Support Your Financial Growth


CapGro Core LLP provides structured loan solutions through our network of trusted financial institutions. From personal and business loans to mortgage financing for global property investments, we help clients access capital efficiently and strategically.




Why Choose CapGro Core?

  • Access to Multiple Lending Institutions
    Wide network ensuring competitive rates and terms.
  • Faster Processing & Documentation Support
    Expedited loan approval and streamlined paperwork.
  • Structured Financing Solutions
    Customized lending tailored to each client's needs.
  • Expertise in Global Property Financing
    Specialized knowledge in international real estate markets.
DISCUSS YOUR LOAN REQUIREMENT

A Guide to NRI Loans

Building Your Roots While Growing Abroad

Eligibility & Purpose

  • Who can apply: NRIs, PIOs (Persons of Indian Origin), and OCIs (Overseas Citizens of India).
  • Usage: Loans aren’t just for buying ready homes. They can be used for buying a plot, home construction, home improvement, or even a balance transfer of an existing high-interest loan.

Financial Mechanics

  • Repayment: Must be made in Indian Rupees (INR) through NRE/NRO accounts or inward remittances.
  • Loan-to-Value (LTV): Most banks fund 75% to 90% of the property cost, depending on the loan amount.
  • Tenure: Usually shorter than resident loans, typically ranging from 5 to 20 years.

Taxation & Benefits

  • NRIs can claim tax deductions on interest paid (up to ₹2 Lakhs) for a "Self-Occupied" property in India.
  • Section 80C: Principal repayment is eligible for deductions up to ₹1.5 Lakhs.
  • Rental Income: If the property is rented out, that income can be used to service the EMIs directly.

The "CAPGRO CORE" Strategic Advice

  • Currency Hedge: With the USD/Euro strong against the INR, NRIs effectively get more "house for their money" right now.
  • Interest Rate Arbitrage: We help identify banks offering competitive floating rates to ensure the global crisis doesn't inflate your Indian debt.
  • End-to-End Handling: From PoA assistance to choosing the right mortgage partner, we ensure the NRI doesn't need to fly down for every signature.
CONTACT / INQUIRY       Download PDF file for Document checklist for ‘Self Employed’ ‘Salaried’ & ‘NRI’ Clients

Disclaimer - Loan approvals, interest rates, and terms are subject to the policies of respective banks and financial institutions and prevailing RBI guidelines. CapGro Globalx acts as a facilitator and does not guarantee approval of any loan. Final sanction is at the sole discretion of the lending institution.

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