Machinery loan · Working capital / CC · Project expansion · LAP
A factory file is machinery, power load, job-work vs own brand, and whether the shed is owned. Credit will not treat it like a salaried personal loan with a GST sticker.
Typical mix: a term loan against a vendor quotation for the line, cash credit or GST OD for raw material and receivables, and LAP only when the land or building is clean enough to mortgage.
Restricted or excluded activities stay declined. Eligible engineering, food, packaging, textiles and similar units still need GSTR that can walk to banking.
Project expansion needs a note: what is being added, who will buy the extra output, and which existing charge sits on plant. One EMI for ‘everything’ is the wrong design.
Service pages for this sector
- Machinery & Equipment Loan — Finance plant, tools and equipment so capex does not drain MSME working capital.
- Working Capital Loan — Short-term and revolving funds so stock, payroll, GST and suppliers do not wait on collections.
- Project & Expansion Loan — Structured funding for a new unit, capacity expansion or a defined MSME project with a use-of-funds plan.
- Loan Against Property (LAP) — Higher-ticket MSME funding using residential or commercial property as security.
Apply for MSME loan in India
Quick apply without login, or sign in to upload KYC and track. Working capital, GST OD and LAP — VFC Rise maps the file; the bank sanctions.