Capital access
Machinery Term Loans & Capex Finance
Capex financing narratives, vendor quotes, LTV alignment, and lender submissions for machinery purchases.
How we support you
Machinery loans hinge on project viability and asset quality. We organise quotes, utilisation plans, and lender submissions with inspection readiness.
What you get
- Vendor quote normalisation and asset eligibility
- Capacity utilisation narrative with milestones
- Insurance and hypothecation coordination basics
- Subsidy stacking checks where programmes overlap
How we work with you
- 1
Discovery
We clarify your entity profile, timelines, and documents needed for Machinery loan.
- 2
Documentation
Application drafts, annexures, and clarifications aligned to regulator or lender checklists.
- 3
Submission & tracking
Portal filings or coordinated submissions with milestone updates until outcome.
- 4
Post-approval
Renewals, amendments, and next-step compliance so benefits stay continuous.
Frequently asked questions
What is a machinery term loan for MSMEs?
Banks finance purchase of plant and machinery with asset hypothecation and tenure matched to useful life. We align project cost, down payment, and subsidy linkage where available.
Can machinery loans include installation and customs duty?
Many banks finance landed cost including installation; structure varies. Import LCs need IEC and forex compliance—we coordinate documentation.
Is subsidy available on machinery purchase?
State and central capital subsidies may apply to specific sectors and technology upgrades. We check CLCSS and state schemes during loan structuring.
What interest rate applies to machinery loans?
Rates depend on bank MCLR/EBLR, credit score, collateral, and scheme linkage. We help compare offers; we do not set bank rates.
New vs used machinery—will banks finance both?
New machinery is preferred; used equipment needs valuation and age limits. We set realistic LTV expectations before application.
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