Project loan
Project finance for new ventures and expansion
Setting up a new unit, expanding or modernising? We help you structure the right mix of term loan and working capital, with a moratorium while the project gets going.
- Term loan and cash credit together
- Moratorium while the project is set up
- Help with project reports and CMA data
- Check for government subsidy schemes
About project loans
Project finance funds a new venture, expansion, diversification or modernisation, based on the cash the project is expected to generate.
Lenders usually fund a part of the project cost; the promoters bring in the rest as their contribution.
Our team of chartered accountants and finance professionals helps you prepare a project report that lenders can assess quickly.
Documents usually needed
- KYC of the business and promoters
- Detailed project report with cost and means of finance
- Projected financials and CMA data
- ITRs and financials of existing businesses, if any
- Quotations, approvals and land or lease papers
Download the full project loan documents checklist (PDF)
Your consultant confirms the exact list for the lender you choose.
Who is eligible
Salaried or self-employed promoters with relevant experience. Lenders mainly look at:
Viability of the project
Whether the projected cash flows can repay the loan comfortably.
Promoters’ credibility
Your experience, contribution and credit history.
Security
The assets created and any collateral offered, which reduce the lender’s risk.
Promoter’s contribution
Lenders fund a part of the project cost; your own contribution, or margin, shows commitment and lowers the loan.
What you get
Assessed on future cash flow
The loan is sized on what the project is expected to earn.
Moratorium
Repayment usually starts after an agreed setup period.
Combined structure
A term loan for assets plus working capital for operations.
Subsidy check
We check whether central or state schemes apply to your project.
Work out your EMI
Change the amount, rate and tenure to see how the monthly instalment and total interest move. A longer tenure lowers the EMI but raises the total interest you pay.
Your consultant will show you the actual figures from each lender before you decide.
EMI calculator
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Example figures only. Your actual rate, fees and EMI depend on the lender and your profile.
Ready to compare offers?
Tell us what you need and a consultant will call you back — usually within one working day. The first consultation is free.