Home / Secured Loans / Machinery & Equipment Loan
Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026
Machinery finance against the asset itself.
Fund new or used plant & machinery — domestic or imported — with the machine as primary security and repayment matched to its productive life.
Up to 90%
Of machine cost financed
3–7 yrs
Tenure
New & used
Domestic or imported
Overview
Let the machine pay for itself
Machinery loans finance up to 90% of the invoice value, with the equipment hypothecated to the lender. For imported machines, we coordinate LC opening, margin and duty funding as one structure.
Used machinery is financeable too — subject to valuation and residual-life certification. CLCSS subsidy can ride on top for eligible MSME technology upgrades.
At a glance
FinancingUp to 90% of invoice value
SecurityHypothecation of the machine
Tenure3–7 years
Add-onsLC for imports · CLCSS subsidy where eligible
Who is eligible?
- Manufacturing & service businesses with 2+ years' operations
- Machine linked to demonstrable revenue generation
- Promoter margin of 10–25%
- Satisfactory banking conduct
- Used machines: valuation & residual-life certificate
Documents you'll need
- Proforma invoice / quotation of the machinery
- 3 years' financials & ITR
- 12 months' bank statements
- GST returns
- KYC & Udyam registration
Adding capacity to the shop floor? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.
Check your eligibility