Machinery Loan
Equipment finance for manufacturing and processing units — funding for new plant and machinery, and mortgage finance against machinery already installed.
What Is A Machinery Loan?
A machinery loan funds capital equipment: new plant, an additional line, a replacement machine, or the imported equipment a tender demands. The machine itself usually forms the primary security, which keeps the rate below unsecured borrowing.
Where the equipment is already installed and paid for, a machinery mortgage releases capital against it — useful when a manufacturer is asset-rich but needs working capital to accept a larger order.
Key Features & Benefits
- New machinery purchase, domestic or imported
- Mortgage finance against machinery already owned and installed
- Moratorium during installation and commissioning, case to case
- Repayment structured around the production cycle the machine serves
- Subsidy-linked schemes considered where the unit qualifies
Eligibility Criteria
- Manufacturing, processing or service unit with a running operation
- Two to three years of filed financials, or a strong project report for an expansion
- Machinery quotation or proforma invoice from the supplier
- Satisfactory banking conduct and repayment record
End Use Of Funds
- New plant and machinery
- Capacity expansion of an existing line
- Replacement of ageing equipment
- Raising capital against machinery already owned
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Figures shown are indicative and vary by lender, rating and case profile. Your sanctioned terms are confirmed only in the lender's sanction letter.
From Enquiry To Disbursement In 4 Steps
Share Your Requirement
Tell us your funding need — amount, purpose and business profile — via form, call or WhatsApp.
Document Assessment
Our advisory team reviews your documents and matches you with the right lender / product.
Sanction & Approval
We coordinate with banks and NBFCs for evaluation, valuation and credit sanction.
Disbursement
Funds are disbursed directly to your business bank account after final agreement.
Machinery Loan — Frequently Asked Questions
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