Means of finance · land + plant + WC are not one EMI
Project & Expansion Loan
Greenfield or expansion capex
A table: promoter margin, term loan, maybe a scheme, and a WC line for the day the plant starts. That table is the product.
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Indicative ticket
₹15 Lakh – ₹10 Crore+
Tenure
Up to 7–10 years
Security
Project assets + additional security as required
Category
Term & expansion
Term & expansion
Structured funding for a new unit, capacity expansion or a defined MSME project with a use-of-funds plan.
Project finance for a new unit or major expansion — civil, plant and staged disbursal against milestones. Needs a project note, not only a GST screenshot.
Overview
Expansion loans fail when everything is stuffed into one unsecured EMI. A project needs a means-of-finance table: promoter contribution, term loan, maybe subsidy or scheme, and a WC line for the day the plant starts.
We help MSMEs write that story in lender language: cost, timeline, existing sales vs projected, and what happens if the order book is delayed.
What this facility offers
- Term loan structured around project cost
- Can combine machinery, civil and allied capex
- WC assessed separately so the unit can actually run
- Suitable for second unit, backward integration, or capacity jump
Why project files stall
No power-load note. No buyer for extra capacity. Existing charge on plant forgotten. Land in a name that is not on the loan. We would rather pause than stuff ‘everything’ into one unsecured EMI.
What a short project note must contain
What is being added, cost, means of finance, gestation, and how GST will look in year one. A 60-page consultant DPR with no banking is not better than a 4-page honest note.
Gestation cash is a working-capital problem
Civil and erection months have wages and no extra GST. That hole is not supposed to be hidden inside the term EMI. A WC line sized to month-one stock is part of the means-of-finance table, not an afterthought when the machine is on the floor.
Existing charge on plant, land in a relative’s name, and power-load letters are the usual stalls. We would rather pause the project name than stuff everything into an unsecured 7-year EMI.
Unlike a single machinery loan, a project has civil, plant and a working-capital hole on day one. Unlike unsecured term, tickets and questions are larger. Unlike PMEGP, this page is not a subsidy pitch.
A project file is the wrong wrap for
- Festival stock
- Clean unsecured 7-year EMI for a greenfield factory
- Subsidy as the entire margin
Cost, promoter margin, who buys year-one output
- Cost and margin
- Existing charges
- Who buys the extra output
When land, plant and WC must sit in one table
- New unit
- Major capacity expansion
- Relocation to a larger shed
Units adding capacity, not buying one standard CNC
- Manufacturing MSMEs with a defined capex plan
Project tests — margin, gestation, offtake
- Promoter experience in the same or related line
- Contribution as per project policy
- Land/lease and approvals in reasonable order
Cost sheet, means of finance, existing charges
- Project cost and means of finance
- Quotations, plans, approvals as applicable
- Existing financials, GST, banking
- KYC and Udyam
Split term vs WC before anyone logs in
Typical desk timeline: 4–10 weeks for multi-component files
- 1
Login and share your brief
Create your MSME desk account or log in. Tell us city, Udyam band, turnover range and the purpose of funds in one clear sentence. Consent is recorded before any lender share.
- 2
Project cost and means of finance
Civil, plant, machinery, working capital fill and promoter margin. One EMI for everything is split into term + WC where needed.
- 3
Document checklist and vault upload
Promoter KYC, Udyam, GST, banking and purpose papers are listed product-wise. You upload once to the vault; we tell you what is missing before the file goes to credit.
- 4
Phased disbursal plan
Milestone-based release against quotes, civil progress or machine delivery. Large consultant DPR is not always required for modest MSME expansions.
- 5
Lender login and credit processing
The file moves to a partner bank, NBFC or HFC that matches your profile. Queries on GST vs banking, end-use or security are coordinated with you — we do not promise sanction from this website.
- 6
Sanction letter and agreement
If approved, you receive the lender’s sanction with rate, tenure, security and covenants in writing. Read processing, insurance and prepayment clauses before signing — they vary by institution.
- 7
Tranche disbursal and monitoring
Funds release per sanction milestones. Lender may monitor end-use on larger tickets.
Ready to start?
Quick apply for Project & Expansion Loan without creating an account — or login if you want vault KYC and status tracking on your desk.
Project / expansion questions
Do I need a big consultant DPR?+–
For modest MSME expansions, a clear cost sheet and quotations often matter more than a 80-page DPR. Large projects may need more.
Single-machine and subsidy pages are separate
- MSME Business LoanTerm funding for expansion, stock, new units and long-term growth of registered MSMEs.
- Machinery & Equipment LoanFinance plant, tools and equipment so capex does not drain MSME working capital.
- Commercial Vehicle LoanFinance trucks, LCVs, pickups and business vehicles used in the MSME, not family cars as a pretext.
Figures are indicative. Not an offer. Sanction, rate and security rest with the bank, NBFC or HFC. Scheme names are not a website promise.
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