Entrepreneurs can leverage a Loan Against Mutual Funds (LAMF) to fund business operations at 9–12% interest, often cheaper than unsecured business loans charging 12–18%. When used strictly for business purposes, LAMF interest qualifies as a tax-deductible expense under Section 36(1)(iii) of the Income Tax Act, effectively lowering borrowing costs. For instance, a 10% rate in the 30% tax bracket translates to roughly 7% post-tax. Maintain invoices and ledgers linking proceeds to business use, as mixed-purpose loans lose deductibility eligibility.