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🏗️ Loan Product

Project Finance / Term Loans

Structured funding for new units, expansion & capex — with DPRs banks say yes to

Long tenure
Loan Amount
Up to ₹20 Crore
Free eligibility assessment · Advisor calls within 4 business hours
Check Eligibility →
At a Glance

Project Finance / Term Loans — Key Facts

Loan Amount
Up to ₹20 Crore
Interest Rate
10% – 13% p.a.
Collateral
Project assets (CGTMSE cover possible)
Tenure
5 – 10 years + moratorium
Sanction Time
6 – 10 weeks
Promoter Margin
20% – 30% of project cost
Overview

What It Is & How It Works

Setting up a new unit or a major expansion needs structured term finance: land and building, plant and machinery, and margin for working capital — phased over the project timeline with a moratorium until commercial production begins.

Banks sanction projects on the strength of the Detailed Project Report (DPR) — projections, DSCR, break-even, promoter contribution. A weak DPR gets rejected regardless of how good the business is. Fincentrix prepares bank-grade DPRs and manages the entire appraisal process.

We also structure eligible projects under government schemes (CGTMSE, PMEGP-linked, state industrial incentives) to reduce collateral demands and cost.

How It Works

How a Project Gets Funded

Structured, phased, and matched to your timeline Bank-grade DPR Projections & DSCR Promoter Margin 20–30% brought in Sanction Term loan + WC limit Disbursal Phased with moratorium

Banks sanction on the strength of the DPR. A weak report gets rejected regardless of how good the business is.

How It Works

Project Cost — Means of Finance

A typical funding structure Project Bank term loan — 70%Promoter contribution — 30%

We build the DPR to demonstrate an average DSCR above 1.5 — the threshold most banks require.

Eligibility Criteria

  • Clear project plan with cost estimates & quotations
  • Promoter contribution of 20–30% of project cost
  • Experience in the proposed line of activity
  • Land/premises identified or owned
  • Viable projections with DSCR above 1.5

Documents Required

  • Project report / cost estimates & quotations
  • Land documents / MIDC allotment (if applicable)
  • 3 years ITR & financials of promoters/existing firm
  • 12 months bank statements
  • KYC, Udyam & business registration
  • Net-worth statements of promoters
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

New Manufacturing Units
Capacity Expansion
Warehousing
Cold Chain
Solar & Green
Infrastructure
Get Started

Apply for Project Finance / Term Loans

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

Typically 20–30% of the total project cost, brought in as equity/unsecured funds before or alongside disbursement.
5–10 years typically, with a moratorium of 6–18 months during implementation.
Debt Service Coverage Ratio — your cash profit vs your EMI obligation. Banks want average DSCR of 1.5+. Our DPRs are built to demonstrate this credibly.
Yes — schemes like CGTMSE and Stand-Up India specifically support new entrepreneurs, though promoter experience strengthens the case.
Usually yes — as a composite sanction covering both capex and the initial working capital limit.
6–10 weeks realistically, including technical appraisal and inspections. Well-prepared files move materially faster.
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Apply for Project Finance / Term Loans

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

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