Official communication only via msme@fincentrix.info · We never charge any advance fees
WhatsApp +91 72768 91801
⚙️ Loan Product

Machinery & Equipment Finance

Add capacity without draining working capital — finance the machine against the machine

85% of value
Loan Amount
Up to ₹5 Crore
Free eligibility assessment · Advisor calls within 4 business hours
Check Eligibility →
At a Glance

Machinery & Equipment Finance — Key Facts

Loan Amount
Up to ₹5 Crore
Interest Rate
11% – 14% p.a.
Collateral
The machine itself
Tenure
3 – 7 years
Sanction Time
2 – 3 weeks
Funding
Up to 85% new · 60–70% used
Overview

What It Is & How It Works

Machinery finance funds the purchase of new or used equipment — CNC/VMC machines, power presses, injection moulding machines, laser cutters, compressors — with the machine itself as primary security. Your property and working capital stay free.

Lenders fund up to 85% of the invoice value for new machines (60–70% for used, with valuation), with tenures of 3–7 years matched to the machine's earning life.

Fincentrix works with banks, NBFCs, and manufacturer-tied financiers, and can also structure the purchase under CGTMSE as a collateral-free term loan when that works out cheaper.

How It Works

Finance the Machine, Against the Machine

Your property and working capital stay free Proforma Invoice From your supplier Lender Funds Up to 85% of cost Machine Installed 1–3 month moratorium EMI Begins Matched to earning life

The machine itself is the security. New machines get up to 85% funding; used/imported 60–70% subject to valuation.

How It Works

Funding by Machine Type

Loan-to-value New machinery up to 85%Used / imported (valued) 60–70%

CGTMSE term-loan structuring can sometimes fund the same machine collateral-free — we compare both.

Eligibility Criteria

  • Business vintage 2+ years
  • Quotation / proforma invoice from machine supplier
  • Financials that support the proposed EMI
  • Existing orders or capacity utilisation justifying the purchase
  • Clean repayment track record

Documents Required

  • Proforma invoice / quotation of machinery
  • 2 years ITR with financials
  • 12 months bank statements
  • GST returns (12 months)
  • KYC & Udyam certificate
  • Existing loan sanction letters, if any
Process

From Application to Disbursal

1

Apply Online

Tell us your requirement in 2 minutes.

2

Eligibility Check

Free assessment within 48 hours.

3

File Preparation

We build and submit the complete bank-ready file.

4

Sanction & Disbursal

We follow through to money-in-account.

Industries We Serve

Built for MIDC-belt Sectors

CNC/VMC Machining
Injection Moulding
Press & Stamping
Laser Cutting
Textile Machinery
Printing
Get Started

Apply for Machinery & Equipment Finance

Fill this short form — our advisor calls within 4 business hours. Or use the full application →

✓ Free assessment · Documents stored securely · We call within 4 business hours

FAQ

Frequently Asked Questions

Yes. New machines get up to 85% funding; used/imported machines typically 60–70% subject to valuation and age norms.
3–7 years, at roughly 11–14% depending on lender, machine type, and your profile.
Yes — against proforma invoice with LC/TT remittance handled by the lender. Customs duty and installation can sometimes be included in project cost.
You bring the 15–40% margin; the lender funds the rest. Under CGTMSE term-loan structuring, margins can sometimes be lower.
Most lenders allow a 1–3 month moratorium until the machine is installed and production starts.
If you're CGTMSE-eligible, a covered term loan may be cheaper with no hypothecation hassle on future assets. We compare both for you.
Explore More

Other Finance Products

Apply for Machinery & Equipment Finance

Free eligibility assessment · Advisor calls within 4 business hours · Documents stored securely

💬