Project Finance / Term Loan
Long-term structured financing for greenfield or expansion projects in the manufacturing sector.
What is a Project Finance / Term Loan?
A Project Finance or Term Loan is a long-term credit facility designed for capital-intensive industrial projects. It funds land, civil construction, plant & machinery, and pre-operative expenses for new or expanding manufacturing units. Repayment is structured around the project's expected cash flows, usually over 5–15 years.
Who is Eligible?
- Proprietorships, partnerships, LLPs, Pvt. Ltd. and Public Ltd. companies
- Manufacturing, processing, and service enterprises
- New (greenfield) and existing units undertaking capacity expansion
- Promoters with adequate own contribution (typically 25–30%)
- Minimum 2 years ITR for existing enterprises
Key Benefits
- Finance up to ₹500 Crore for large projects
- Moratorium period of 6–24 months on principal repayment
- Repayment tenure up to 10–15 years
- Competitive interest rates aligned with MCLR
- Available under state investment promotion schemes for additional benefits
Documents Required
Step-by-Step Process
Initial Consultation
We assess your project viability, funding requirement, and eligibility.
DPR Preparation
Our experts prepare or review a bank-grade Detailed Project Report.
Bank Tie-Up
We identify the most suitable lender based on your sector, location, and requirement.
Application & Follow-Up
We file the application, coordinate with the credit officer, and respond to queries.
Sanction & Disbursement
Loan is sanctioned, terms are reviewed, and funds are disbursed as per the draw-down schedule.
Frequently Asked Questions
What is the maximum project finance loan amount available?
For large industrial projects in Gujarat, we help arrange term loans from ₹2 Crore up to ₹500 Crore based on project viability, promoter contribution, and consortium arrangement where required.
How much promoter contribution is required for a project loan?
Typically 25–30% of the total project cost, though it varies by lender and sector — capital-intensive greenfield projects usually need 30%+, while expansion of an existing profitable unit may qualify with 20%.
How long does project finance sanction take?
For a well-prepared file with a bank-grade DPR, sanction usually takes 30–60 working days. Disbursement follows the draw-down schedule tied to project milestones.
Do you prepare the Detailed Project Report (DPR)?
Yes. Our team prepares banker-ready DPRs including financial projections, sensitivity analysis, and CMA data. A well-prepared DPR is the single biggest factor in fast sanction.
Interested in a Project Finance / Term Loan?
Tell us your requirement and we will assess your eligibility in 24 hours — for free.
Apply Now +91 97146 31847