Machinery
Machinery finance — asset-backed, structured for production cycles.
Term-loan or hypothecation structures for plant, equipment and CNC machinery, with repayment matched to commissioning and ramp-up.
Structures we evaluate
Term Loan with moratorium
3–6 month moratorium to align EMI start with revenue from the machine.
Hypothecation
Asset itself collateralises the loan — lower rate, faster sanction.
OEM-linked schemes
Subsidised rates and tenor through manufacturer tie-ups (JCB, L&T, Siemens, etc.).
What lenders weigh on a machinery file
- OEM quotation and approved-vendor list
- End-use linkage — order book or capacity utilisation
- Existing business vintage (typically 2+ years)
- Banking strength to service the new EMI
- CIBIL of the promoter / company
- Insurance and RC-equivalent registration for the asset
FAQ
Common questions
How much funding can I get against machinery?+
Most lenders finance 80–90% of the machinery cost. For OEM-tied schemes, this can stretch to 100%. Used machinery typically gets 70–80% of an independent valuation report.
Can I get a moratorium on machinery loan EMIs?+
Yes — 3–6 months is standard, aligned with installation and commissioning. Some lenders offer up to 12 months for large projects. We negotiate this upfront; it's much harder to ask for after sanction.
Should I take a term loan or an equipment lease?+
Term loans give you ownership from day one and appear as debt on your balance sheet. Leases keep the asset off your books and may offer tax efficiency, but you don't own the machine. We model both options against your cash flow and tax position before recommending.
Next step
Get your file reviewed before you apply again.
Share basic details — a senior advisor will read your profile, diagnose what's blocking approval, and tell you exactly what to fix first.
- No CIBIL pull until strategy is agreed
- No blind portal submissions
- Review by a senior advisor — not a call-centre agent
Explore further
Continue your funding readiness journey
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Business Loan vs LAP
Which structure actually fits your cash flow, risk and tenure.
Credit Profile Improvement
From low CIBIL or rejection to a fundable file — the structured way.