Power Your Productivity. Finance Your Machinery.

"Machinery loans are specialized financing solutions that allow businesses to acquire essential equipment without large upfront capital expenditure. Whether you're starting a new production line, upgrading technology, or expanding operations, machinery financing preserves your working capital while putting productive assets to work immediately. Think of it as paying for productivity, not just equipment."

Equipment We Finance

By Industry Category:

Manufacturing & Industrial:

• CNC Machines, Lathes, Milling Machines

• Injection Molding Machines

• Packaging Machinery

• Industrial Robots & Automation

• Textile Machinery (Spinning, Weaving)

• Printing & Paper Machinery

• Food Processing Equipment

Construction & Infrastructure:

• Excavators, Backhoe Loaders, Cranes

• Concrete Mixers, Piling Rigs

• Road Construction Equipment

• Earthmoving Machinery

• Scaffolding, Compressors, Generators

Agriculture & Farming:

• Tractors, Harvesters, Tillers

• Irrigation Systems

• Cold Storage Units

• Dairy & Poultry Equipment

• Greenhouse Technology

Medical & Healthcare:

• MRI, CT Scan, X-ray Machines

• Dental Chairs & Equipment

• Surgical Lasers, Ultrasound

• Laboratory Equipment

• Hospital Beds & ICU Equipment

Technology & Office:

• Servers, Data Center Equipment

• Telecom Infrastructure

• Commercial Printers, Scanners

• Security & Surveillance Systems

• HVAC & Facility Management

Transportation & Logistics:

• Commercial Vehicles (Goods, Passenger)

• Forklifts, Warehouse Equipment

• GPS Tracking Systems

• Material Handling Equipment

• Refrigeration Vans

Types of Machinery Financing

1. Equipment Term Loans

• Best For: Long-term equipment acquisition

• Tenure: 1-7 years

• Amount: ₹5 Lakhs - ₹10 Crores

• Features: Fixed EMIs, predictable payments

• Special: Up to 100% financing available

2. Machinery Lease

• Best For: Technology that quickly becomes obsolete

• Tenure: 1-5 years

• Amount: ₹3 Lakhs - ₹5 Crores

• Features: No ownership, operating expense

• Special: Upgrade options, maintenance included

3. Hire Purchase

• Best For: Eventually owning the equipment

• Tenure: 1-5 years

• Amount: ₹5 Lakhs - ₹5 Crores

• Features: Ownership transfers after final payment

• Special: Tax benefits as owner during payments

4. Equipment Refinancing

• Best For: Existing owned equipment

• Tenure: 1-5 years

• Amount: Up to 70% of equipment value

• Features: Release equity from owned machinery

• Special: Quick disbursal, minimal documentation

5. Sale & Leaseback

• Best For: Freeing capital from owned equipment

• Tenure: 1-7 years

• Amount: Up to 80% of equipment value

• Features: Sell equipment to us, lease it back

• Special: Immediate cash injection

Eligibility Criteria

Business Eligibility:

• Business Type: Proprietorship, Partnership, Pvt Ltd, LLP

• Business Vintage: Minimum 2-3 years (1 year for existing customers)

• Financial Performance: Profitability in last 2 years

• Industry Experience: Relevant to equipment being financed

• Location: Operational premises with power connection

Equipment Requirements:

• New Equipment: From authorized dealers

• Used Equipment: Maximum 7-10 years old

• Condition: Good working condition (for used)

• Documentation: Invoice, warranty, service history

• Installation: Proper facility for equipment operation

Financial Parameters:

• Minimum Turnover: ₹25 Lakhs per annum

• Credit Score: 650+ preferred

• Banking: Regular banking transactions

• Existing Loans: Manageable debt levels

• Margin Money: 10-30% depending on profile

Special Cases:

• Startups: Possible with strong promoters & orders

• Export Units: Special terms available

• MSMEs: Government scheme benefits

• Women Entrepreneurs: Special pricing

• Manufacturing Clusters: Group financing options.

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