Ticket Size: ₹10 Crore – ₹100 Crore+
Hospital & Pharma Loan Advisory ₹10 Crore+ in India
Specialized CAPEX & Expansion Debt from ₹10 Cr to ₹100 Cr+ for Healthcare Chains, Medical Colleges & Pharmaceutical Manufacturers
Executive Overview
Looking for a hospital project loan consultant or a pharma company funding advisor? CreditCares accepts ₹10 crore-plus enquiries for hospital expansion, medical equipment, pharmaceutical manufacturing and related working capital across India. Separate construction, equipment and operating costs in your proposal. Repayment terms, any moratorium and approval depend on lender assessment.
Target Borrower Profiles
- •Multi-specialty, super-specialty hospitals and cancer treatment institutes (50+ to 500+ beds)
- •Pharma formulation plants, Active Pharmaceutical Ingredient (API) manufacturers, and sterile injectables
- •Diagnostic pathology chains, PET-CT / MRI scanning centres seeking high-end machinery lines
- •Medical colleges, nursing institutes, and healthcare technology infrastructure builders
- •Ayurvedic, biotech, and pharmaceutical contract manufacturing organizations (CDMO/CRO)
Underwriting & Eligibility Metrics
| Evaluation Metric | Standard Requirement |
|---|---|
| Promoter Background | Qualified doctors, healthcare entrepreneurs, or established pharmaceutical industrial groups with proven track record |
| Operational Threshold | Existing hospital with 60%+ average bed occupancy or pharma unit with active commercial batches |
| Regulatory Approvals | Valid clinical establishment licenses, NABH/NABL accreditation or State Pollution Control / Drug Controller approvals |
| Viability Benchmarks | Projected DSCR >= 1.50x throughout debt tenure; viable techno-economic feasibility (TEV) |
Financing Benchmark
Indicative Rate:8.50% – 11.25% p.a.
Maximum Tenor:Up to 12 Years (with 12 to 24 Months moratorium period)
Min – Max Ticket:₹10 Crore – ₹100 Crore+
WhatsApp Advisory DeskRequired Documents
Project & Technical Reports
- • Detailed Project Report (DPR) detailing bed additions, OPD/IPD projections, or pharma batch capacities
- • Techno-Economic Viability (TEV) study conducted by approved empaneled agencies
- • Proforma invoices and quotes for imported medical equipment (MRI, CT, Linac) or cleanroom machinery
- • Architect certificates, civil layout estimates, and building plan sanction approvals
Licenses & Regulatory Clearances
- • Drug Controller General of India (DCGI) / State FDA licenses and WHO-GMP / USFDA inspection history
- • AERB approvals for radiological installations, Bio-Medical Waste authorization, Fire Safety NOC
- • Clinical Establishment Act registrations and local municipal clearances
Financial & Corporate Track Record
- • Past 3 years audited financial records of hospital trust, society, or corporate pharma entity
- • Key doctor / promoter profiles, CVs, net worth statements, and tax clearances
- • Cash flow models detailing operational breakeven and debt-service amortisation