Funding for a new unit, an expansion or a modernisation — from the project report through to the final disbursement.
Project finance pays for something you are building: a new factory, an additional line, a hotel, a hospital, a warehouse. Unlike working capital, it is repaid over years out of what the project itself earns, which is why banks look much harder at whether the project will actually work.
A project loan is won or lost on the project report. The bank is being asked to lend against something that does not exist yet, so the report has to show — with numbers that hold up — that the project will generate enough to repay. Optimistic projections are spotted immediately and do more harm than good.
We prepare the report, structure the funding, and stay with the file through appraisal, sanction and staged disbursement.
We would rather tell you a product is wrong for you than arrange the wrong one.
An incomplete file is the most common cause of delay. This is the usual list — we tell you exactly which apply to your case.
Before any paperwork we check whether the numbers work. If they do not, it is far cheaper to know now than after a rejection.
Costing, phasing, projections, ratios and sensitivity — written to be appraised, not to impress.
How much debt, how much margin, what tenure and what moratorium the project can genuinely carry.
Bank appetite varies sharply by sector. A hospital file and a textile file do not belong at the same bank.
We handle technical and financial appraisal queries and the site visit.
We keep the staged releases moving so construction is not held up waiting for money.
Most rejections are avoidable and have nothing to do with whether the business is sound. These are the ones we see most often.
What fixes it: Base them on comparable units and be ready to defend every assumption.
What fixes it: Show the source of your contribution clearly and early.
What fixes it: Get land title and statutory clearances in order before applying.
What fixes it: Restructure — a longer tenure or a larger margin often turns a rejection into a sanction.
What fixes it: Back every line with a real quotation; round numbers invite doubt.
Banks expect the promoter to fund a meaningful share of project cost, with the balance as loan. The exact proportion depends on the sector, the project and the bank. We tell you the realistic figure for your case before you commit to anything.
A Detailed Project Report sets out what you are building, what it costs, how it will run and how the loan gets repaid. No bank will appraise a project loan without one, and the quality of it largely decides the outcome.
Usually yes. Banks generally allow a moratorium covering construction and initial operations, since the project earns nothing until it runs. Interest treatment during that period varies by bank.
No. Project loans are released in stages against verified progress — foundation, structure, machinery delivery and so on. Planning your cash flow around staged releases matters as much as the sanction itself.
Not usually. Most rejections are about how the case was presented, not whether the project is sound. We look at the reason given, fix what caused it, and re-present — often to a different lender.
A free first meeting with our loan experts — an honest answer on how much you can borrow and which bank fits you best.