Land Finance | Construction Finance | Inventory Funding | LAP

Comprehensive funding across the real estate project lifecycle.

Finance Doctors specializes in structured real-estate finance for developers, builders, and investors—covering every stage from land acquisition to inventory monetization.

Land Purchase Finance
Funding for acquisition of residential or commercial land parcels for new developments.

Construction Finance
Project-linked disbursements based on construction progress, ensuring disciplined fund utilization and lender comfort.

Inventory Funding
Loans against unsold units to unlock capital during slow sales cycles without distress pricing.

Loan Against Property (LAP)
High-value mortgage loans against residential, commercial, or industrial properties at competitive interest rates.

General Documents

KYC DOCUMENTS

(Applicants / Promoters / Directors / Partners)

• PAN Card (Self-attested)

• Aadhaar Card / Passport / Voter ID

• Mobile Number & Email ID (Linked with Aadhaar)

• Latest Electricity Bill / Utility Bill (Address Proof)

• Passport-Size Photographs

BANKING & CREDIT DOCUMENTS

• Bank Statements – Last 12 Months

  • Savings Account (Individuals / Salaried)

  • Current Account (Business Entities)

• CIBIL Report (Latest – Individual & Entity)

• Net Worth / Asset & Liability Statement (CA-Certified)

INCOME PROOF

A. Salaried Applicants

• Salary Slips – Last 3 Months

• Form-16 – Last 2 Years

B. Self-Employed / Business Owners

• Income Tax Returns with Computation – Last 3 Years

• Audited Financial Statements – Last 3 Years

C. Rental Income

• Registered Rent Agreement

• Rent Receipts / Bank Credit Proof

• Electricity Bill of Rented Property

D. Other Income

• Relevant Supporting Documentary Proof

EXISTING & CLOSED LOAN DETAILS

A. Running Loans

• Sanction Letter

• Latest Loan Statement

B. Closed Loans

• Loan Closure Letter / NOC

• Original Sanction Letter (If Available)

C. Balance Transfer (BT) / Takeover Cases

• Sanction Letter

• List of Documents (LOD)

• Foreclosure / Pre-Closure Letter

COLLATERAL SECURITY DOCUMENTS

(If Applicable)

• Complete Property Title Chain Documents

• Latest Electricity Bill

• Approved Building Plan / Layout Map

• Property Tax Paid Receipt

• Encumbrance / Mortgage Details

• List of Documents (LOD) (If Property Already Mortgaged)

Product Specific Documents Required for MSME-

BUSINESS IDENTITY & REGISTRATIONS

• GST Registration Certificate

• UDYAM (MSME) Certificate

• Shop Act / Trade License

• FSSAI / ISO / Industry-Specific Licenses (If Applicable)

OFFICE & OPERATIONS DETAILS

• Office Address Proof

  • Electricity Bill or Rent Agreement

• Business Setup Photographs

  • Office

  • Factory

  • Godown / Warehouse

  • Machinery (If Any)

FINANCIAL DOCUMENTS

• Audited Balance Sheet & Profit & Loss Statement – Last 3 Years

• GST Returns – Current Financial Year (Till Date)

• Current Account Bank Statement – Last 12 Months

• Net Worth Statement (CA-Certified)

ENTITY-SPECIFIC DOCUMENTS

A. Proprietorship Firm

• PAN Card

• Proprietor Declaration

B. Partnership Firm

• Partnership Deed

• Firm PAN Card

C. Limited Liability Partnership (LLP)

• LLP Deed

• Certificate of Incorporation

• LLP PAN Card

D. Private Limited Company

• Certificate of Incorporation

• Memorandum of Association (MOA)

• Articles of Association (AOA)

• Company PAN Card

• MCA Master Data

Product Specific Documents Required for Real Estate Fundings-

Project Documents

• Title Chain (30–40 years)
• Approved Layout Plan / Building Plan
• RERA Registration & Completion Certificate (if applicable)
• Commencement Certificate
• Project Cost Statement, Project Cash Flow & Pending Cost Sheet
• Details of Running & Completed Projects

Financial & Sales Data

• Project-wise Sales Statement
• Escrow Account Details
• Sold & Unsold Inventory Statement
• Receivables Aging
• Audited Financials – Last 3 years