Project Finance & Term Loans for New & Expanding Factories

Project finance is the most complex — and most rewarding — form of industrial lending. A greenfield factory or a large brownfield expansion involves land, civil construction, plant and machinery, and pre-operative costs, often funded through a structured mix of term loan and promoter equity with a built-in moratorium until the unit starts generating revenue.

The foundation of any successful project finance proposal is the Detailed Project Report (DPR). Banks lend against the strength of your projections, your cost estimates, your debt-service coverage ratio and the credibility of your assumptions. A professionally prepared DPR is the difference between a sanction at a good rate and a rejection. We build DPRs that bankers trust.

For larger projects, no single bank may want to carry the full exposure. We arrange consortium or multiple-banking and syndication arrangements, distributing the loan across lenders while keeping the terms coordinated and favourable to you. We also structure the financing to maximise your eligibility for Gujarat's capital subsidy, interest subsidy and SGST refund — benefits that can run into crores on a large project.

From the first feasibility discussion to the final tranche of disbursement, we manage the entire lifecycle: proposal, sanction, documentation, security creation, and drawdown against project milestones. You focus on building the factory; we manage the bank.