Turn Property Equity Into A Business Opportunity

A flexible finance solution designed for SME operators and business owners, empowering you to unlock working capital, boost cash flow, and grow your business. Use the strength of your commercial, residential, or investment property to fund your next opportunity.

Loan Calculator

Estimate repayments instantly to better understand what works for your budget before applying.

Loan Type
Personal Loan
24% rate
Loan Amount
PGK 200,000
PGK 50,000
PGK 500,000
Loan Term
12 months
3 months
36 months
Interest Rate (Annual)
24%
Fixed rate for guarantor-backed loans

Payment Summary

Monthly Payment

PGK 18,912

Total of Payments
PGK 226,943
Total Interest
PGK 26,943

Loan Details

Principal Amount
PGK 200,000
Interest Rate
24%
Loan Term
12 months
Loan Type
Personal Loan

Application Form

Our team will guide you through the next steps once your enquiry is submitted.

How it Works

01

Complete a commercial loan application and submit the required information to get started.

02

Our team carefully assesses your application to ensure the right fit for your needs.

03

A lending decision is made promptly, keeping your plans moving forward.

04

Loan documents are issued and executed to formalise the facility.

05

Once completed, funds are disbursed efficiently.

06

Your funds are released and ready for use, helping you drive business growth straight away.

Key Benefits

Access Larger Funding Amounts

By using real estate as collateral, you can unlock significantly higher loan amounts than unsecured options—giving you the capital you need to invest, expand, or accelerate your plans.

Enjoy Flexible Interest Rates

Security brings confidence—for lenders and for you. Real estate–backed loans typically come with more competitive interest rates, reducing your overall cost of borrowing and improving your bottom line.

Fast-Track Opportunities

Whether it’s a business expansion, property investment, or major purchase, a secured loan allows you to act quickly when opportunity knocks—without waiting to accumulate funds.

Use Cases

Investments Opportuinities

Seize new investment prospects—whether in real estate, business ventures, or other assets—by leveraging the equity tied up in your property

Business Expansion

Fuel your growth ambitions—whether it’s opening new branches, expanding operations, or investing in new markets. LAP provides the substantial capital needed to scale with confidence.

Property Improvement or Development

Upgrade, renovate, or develop existing property assets to increase their value and generate additional income streams.

Eligibility &
Requirements

Registered business name/company

Valuation Report

Registered Tax Identification Number

Company profile

Minimum of two years operation

Last two years financial statements

Cash Flow Forecast

Last 12 month’s bank statements

Copy of contract
(if any)

Customer Identification
(ID)

Everything you need to know before applying.

Leverage your assets to grow your business