Machinery Loan
Finance the equipment your capacity depends on
Machinery loans help you add or upgrade equipment without draining working capital. We help align the funding with the asset, the quotation and your production plan.
Funding up to 90% — subject to eligibility and lender terms
Who it suits
Who this suits
Manufacturing units, workshops, processing units and service businesses investing in plant, machinery or specialised equipment.
Typical use cases
- Adding a new machine to increase production capacity
- Replacing ageing equipment with a modern alternative
- Purchasing imported machinery against a supplier quotation
- Buying used machinery, subject to lender acceptance and valuation
- Setting up an additional production line
- Service businesses acquiring specialised equipment
How we help
We review your profile against product requirements, help you compile a complete file and coordinate the application with the lender or product provider. Eligibility, pricing and approval remain the lender's decision, and we keep you informed at each stage rather than promising an outcome.
Discuss your caseKey features
What this service includes
Asset-linked structuring
Funding matched to the machine, its quotation and its expected useful life.
Supplier documentation
Guidance on the quotation, proforma invoice and delivery documents typically needed.
Cash-flow aligned tenure
We model the EMI against the additional output the machine is expected to support.
New and used equipment
Discussion of both routes, including the extra checks used machinery usually attracts.
Coordination with the vendor
Help in aligning payment milestones with the lender's disbursement process.
Future requirements
Support when you add further equipment or need an enhancement later.
Process
A simple, well-managed process
Four clear stages, with your documentation prepared properly before anything is submitted.
- 01
Share your requirement
Call or WhatsApp us with what you need — a loan, an investment plan or insurance guidance. We listen first.
- 02
Eligibility & option review
We review your profile, documents and objectives, then explain the options that realistically fit your case.
- 03
Documentation & application
We help you assemble what may be required and submit a complete, well-prepared application.
- 04
Follow-up till closure
We coordinate queries and updates through to the decision, and stay available for servicing needs afterwards.
Indicative guidance
Eligibility and documents that may be required
The points below are indicative only. Exact requirements depend on the lender, insurer or product provider, your profile and the specific product selected.
Eligibility factors commonly considered
- Business vintage and continuity of operations
- Financial performance and repayment capacity
- Banking conduct and existing obligations
- Type, condition and valuation of the machinery
- Supplier credibility and quotation details
- Promoter credit history and any collateral offered
Documents that may be required
- KYC of the entity and its promoters or partners
- Business registration, GST registration and related certificates
- Audited financials and ITRs for recent years
- GST returns and bank statements for the recent period
- Machinery quotation, proforma invoice or supplier agreement
- Valuation report for used machinery, where required
Plan ahead
Estimate your machinery loan EMI
Check indicative EMIs for the equipment amount, rate and tenure you have in mind before you commit to a purchase.
FAQs
Frequently asked questions
Get started
Talk to our team about your requirement
Share your requirement on a call or WhatsApp and we will explain the realistic options, documents and next steps.
Disclaimer: Machinery loan funding percentages, security and approval are determined by the lender based on the asset and your eligibility. Financial products, eligibility, rates, approvals, returns and terms are subject to applicable lender, insurer, investment product and regulatory conditions. Information on this website is for general guidance and does not constitute a guarantee of approval, returns or policy issuance.