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Loan Services

Construction Finance

Structured funding for builders and real-estate developers to fund project construction.

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Key Features

Why Choose Our Construction Finance?

Phased disbursal linked to construction milestones

Loan up to 70% of project cost

Tenure up to 5 years

For residential & commercial projects

Eligibility Criteria

Who Can Apply?

Registered developer/builder entity

RERA registered project

Clear land title

Track record of past projects (preferred)

Documents Required

What You'll Need

Project approval & RERA certificate
Land title documents
Project cost estimate & construction plan
Company financials & ITR
Bank statements
Pricing

Interest Rates & Charges

Indicative rates — your final rate depends on profile, lender and loan amount.

ParameterDetails
Interest Rate12% – 16% p.a.
Loan Amount₹50 Lakh – ₹25 Crore
TenureUp to 5 years
Processing Fee1% – 2%
Benefits

What You Gain With TOPS CAPITAL

Milestone-based disbursal reduces interest burden

Supports large-scale project execution

Flexible repayment linked to sales/cash flow

Expert guidance on RERA compliance

How It Works

Construction Finance Process

A simple, guided journey from your first inquiry to money in your account.

Submit Inquiry

Share your requirement with us in under 2 minutes.

Free Consultation

Our expert understands your profile and goals.

Document Collection

Doorstep pickup of all required paperwork.

Bank Processing

We coordinate directly with the lender for you.

Loan Approval

Sanction letter issued after successful review.

Amount Disbursed

Funds credited directly to your account.

FAQs

Construction Finance — Frequently Asked Questions

Yes, the project must be RERA registered for us to arrange construction finance from our banking partners.

Funds are released in phases, linked to construction milestones verified by the lender's technical team.

It's possible with a strong project plan and additional security, though an established track record improves approval chances significantly.

Repayment is usually structured around projected sales receivables from the project, with flexibility built into the schedule.

Talk to a Construction Finance Expert

Get a callback within a few hours and a free consultation on your best rate options.

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