Service · Land · Building · Capacity
CAPEX funding for the next stage of capacity.
Finance for land, buildings and capacity additions, with the project cost, means of finance and repayment plan set out the way lenders expect to see them.
What it covers
The common forms, and what each one is for.
LAND
Land and site development
Purchase or development of the site for a unit or warehouse.
BLDG
Building and civil works
Factory sheds, offices and warehouses, funded against estimates.
CAP
Capacity addition
Extra lines, utilities and installations to raise output.
Who it suits
Is this the right facility for you?
- Manufacturers adding capacity or a second unit
- Businesses moving from rented to owned premises
- Traders building their own warehousing
- Firms whose orders have outgrown current capacity
How lenders look at it
What a credit officer checks first.
01
Project cost
A realistic, itemised cost with quotations and estimates behind each line.
02
Means of finance
How much comes from the loan, your contribution, and any subsidy.
03
Repayment capacity
Projected cash flows after the capex, and whether they cover instalments.
04
Title and approvals
Clear land title and the building permissions the project needs.
05
Implementation plan
Timelines for construction and when the new capacity starts earning.
06
Track record
How the existing business has performed and been run.
How we help
From your numbers to a facility you can use.
1
Cost the plan
Turn the idea into an itemised project cost lenders can check.
2
Structure the funding
Loan, own contribution and any eligible subsidy, in the right proportions.
3
Prepare the report
Projections, repayment schedule and supporting documents.
4
Manage disbursement
Stage-wise releases tied to progress, with lender queries handled.
Mistakes we see often
- Underestimating civil and installation costs, then running short midway
- Starting construction before title and approvals are clean
- Ignoring working capital needed once the new capacity runs
Documents
What this file usually needs.
Lenders differ. We confirm the exact list for your case after the first call.
- Last 3 years' financial statements and ITRs
- Last 12 months' bank statements (all current accounts)
- GST returns for the last 12 months
- Land title documents and approved building plans
- Quotations and civil estimates for the capex
- Sanction letters and repayment schedules of existing loans
- KYC of the business and promoters
Questions
CAPEX Loans, answered.
How much of the cost will a lender fund?
Lenders expect a share of the cost from you, called margin or promoter contribution. The share varies by lender and project; we plan it upfront so there are no surprises.
Is the loan released in one go?
Usually not. CAPEX loans are commonly released in stages as work progresses, against certificates or invoices.
Can a subsidy reduce my cost?
Some central and Gujarat schemes offer capital or interest subsidy to eligible units. We check eligibility alongside the loan.
Do I need a project report?
For larger CAPEX, yes. We prepare it as part of the file.
Talk through your capex loans need.
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