How to Get Commercial CIBIL Report – A Guide for LAP Applicants

When you're planning to secure funds through a Loan Against Property for business purposes, lenders don’t just consider the value of your property. They also assess the financial standing of your enterprise. One key document that offers this insight is the commercial CIBIL report — a comprehensive profile of your business’s creditworthiness, past borrowings and repayment patterns. 

While most individuals are familiar with their personal CIBIL score, fewer are aware that businesses, too, have their own credit profile. If you're running a company or a partnership firm and are looking to avail of a loan secured against your property, understanding this report becomes essential. Let’s walk through what the commercial CIBIL report is, how to get it, and how to read it effectively. 

Understanding the Commercial CIBIL Report

The commercial CIBIL report reflects the health of business's finances. It compiles your firm’s credit activity — including loans, credit cards, overdraft facilities and payment behaviour — into a structured document. This report helps assess whether your business is capable of repaying the loan. 

The report includes a range of insights: total outstanding debts, repayment history, days past due (DPD), enquiries made by lenders, and more. It also includes the CIBIL rank (for eligible businesses), which is a numerical summary that helps lenders gauge creditworthiness at a glance. 

How to Get a Commercial CIBIL Report?

Now, if you’re wondering how to get commercial CIBIL report access for your business, the process is simple.  

Start by visiting the official CIBIL website, where commercial reports are offered. Select the option to purchase a commercial CIBIL report. You’ll need to provide business-related details such as the name of the company, registered address, PAN, and other identifiers (depending on your business type). Once the payment is completed and documents verified, you’ll be able to download your commercial CIBIL report online. 

You might be asked to upload proof of identity, proof of business address, and authorisation documents.  

How to Download Commercial CIBIL Report Safely?

Once you're authorised and logged in, downloading the report is relatively quick. But here’s something to keep in mind — only download it on secure, private networks and keep a copy safely stored.  

How to Read a Commercial CIBIL Report?

The document may look complex at first glance, but once you break it down, it starts to make sense. Here’s what to look out for: 

• CIBIL Rank – This is a number between 1 and 10 (with 1 being the highest rank). It reflects your business's loan repayment history.  
• Company Details – The name, registration number, and other identifying information are listed at the top. Check for any discrepancies. 
• Credit Facilities – All current and past credit accounts, including sanctioned amounts, repayment schedules and overdue status, are listed. 
• Days Past Due (DPD) – This section shows how timely your business has been in clearing dues. Frequent delays can bring down your credit standing. 
• Enquiry Section – It lists lenders who have accessed your report recently.  

Also Read: How to Read Your CIBIL Report 

Steps to Improve Your Business Credit Profile

There are ways to improve it: 

• Repay all existing dues and ensure EMI payments are on time 
• Avoid applying for multiple loans at once 
• Maintain a good mix of secured and unsecured credit (if any) 
• Monitor your report regularly to catch errors or suspicious entries 

Knowing how to get commercial CIBIL report access, and more importantly, how to interpret it, puts you in a stronger position when applying for a Loan Against Property. It allows you to step into discussions with lenders fully informed.