Machinery & Equipment Finance — Pan India
Your Business Needs That Machine. Don't Let Capital Stop You.
Finance new or used machinery and equipment without draining your working capital. Up to 90% of equipment cost funded. Fast approvals for manufacturers, healthcare, IT, and all MSME sectors across India.
Or call us: +91 96070 19050
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Check your eligibility — free
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What is this?
Understanding this loan — in plain English
A machinery loan is a secured business loan where the equipment or machinery being purchased serves as the primary collateral. This means you typically don't need to pledge additional property or assets — the machine you're buying secures the loan.
This preserves your working capital for day-to-day operations while letting you invest in the equipment that grows your output and revenue. Lenders assess the machine's useful life, manufacturer reputation, your business cash flows, and sector stability when evaluating these loans.
Who Qualifies
Are You Eligible? Check in 30 Seconds.
Business Requirements
- Manufacturing, service, healthcare, IT, or construction business
- Business vintage minimum 2 years
- Annual turnover minimum ₹20 lakh
- CIBIL score 650+ (personal and business)
- GST registered and compliant
Entity Types
- All MSME categories — micro, small, medium
- Proprietorship, Partnership, Pvt Ltd, LLP all eligible
- Equipment must be for business use
- Clean bank statement with regular business inflows
- Vendor invoice / quotation for the equipment
Not sure if you qualify? WhatsApp us — we'll tell you in 5 minutes.
Why Credit Consultancy
KEY FEATURES
New Machinery
Finance brand new equipment from any manufacturer — domestic or imported. We work with lenders who have vendor tie-ups for faster processing.
Used / Refurbished
Most banks refuse used machinery. We work with NBFCs who assess current value and fund up to 70% of appraised value for pre-owned equipment.
Imported Equipment
International equipment finance with proper invoice, customs, and insurance documentation. We guide you through lender requirements for cross-border machinery.
Healthcare Equipment
Medical devices, diagnostic machines, hospital equipment — specialists in healthcare MSME financing with lenders who understand the sector.
Construction Machinery
Excavators, cranes, concrete equipment — commercial vehicle and construction equipment lenders with flexible tenure.
IT & Technology
Servers, data centre equipment, production technology — we find lenders who understand tech asset depreciation and fund accordingly.
How It Works
5 steps from first call to funded
WhatsApp us
Tell us your requirement, amount and city
Profile review
We assess eligibility and fix issues
Lender match
Right lender identified for your profile
We apply
Clean application submitted correctly
You get funded
We follow up until money hits your account
Why smart borrowers come to us first
Ex-bankers on your side
We know how credit decisions are made — because we used to make them. That knowledge means fewer rejections for you.
Right lender, first time
We match your profile to the lender most likely to approve — before applying. No shotgun approach. No score damage.
Faster than going directly
We know exactly what each lender needs. No back-and-forth. No missing documents. Faster approval from day one.
Pan India — any city
We work with lenders across India. Wherever you are, we find the right lender for your profile and your property.
Zero consultation fee
We earn from the lender when your loan is disbursed. You pay us nothing. Our interests are aligned with yours.
We stay until it's done
We don't disappear after submitting. We follow up daily until the money hits your account. No chasing required.
Documents
What You'll Need to Apply
Don't worry if you don't have everything ready. WhatsApp us first — we'll tell you exactly what applies to your situation.
Equipment
- ✓ Proforma invoice / quotation from vendor
- ✓ Equipment specifications
- ✓ For imported: Import invoice and customs documents
Business
- ✓ Business registration documents
- ✓ GST Certificate
- ✓ Udyam Registration if applicable
Financial
- ✓ Last 2 years ITR with computation
- ✓ Last 12 months current account statements
- ✓ GST returns (last 12 months)
- ✓ Audited financials for larger loans
KYC
- ✓ PAN + Aadhaar of all promoters
Not sure what you need?
WhatsApp us — personalised document checklist in minutes, free.
→ WhatsApp us nowFAQ
Questions People Ask Before Applying
Q: Can I finance second-hand machinery?
Yes — we work with lenders who accept used and refurbished equipment. The loan amount is based on the current assessed value, not original purchase price. We arrange the valuation as part of our service.
Q: Do I need additional collateral beyond the equipment?
In most cases, the equipment itself is sufficient. For larger amounts or newer businesses, lenders may ask for a personal guarantee. We structure the application to minimise additional requirements.
Q: My business is 1 year old. Can I still get equipment finance?
Yes — through CGTMSE-linked or NBFC routes that cater to early-stage businesses. We identify the right lender for your vintage.
Q: Can I import machinery and still get a loan?
Yes — for imported equipment, you'll need the commercial invoice, customs clearance documents, and import duty receipts in addition to standard documents. Some lenders specialise in import finance.
Q: How fast can I get the loan?
For straightforward cases with clean financials, 5–7 working days from document submission. We've processed urgent equipment financing in 72 hours for established businesses.
Q: Do you charge any fees?
No. Zero consultation fees. We earn from the lender only when your loan is disbursed.
Ready to Equip Your Business for the Next Level?
Tell us what equipment you need, the approximate cost, and your business type. We'll identify the best financing option and get your application moving — free, no obligations.
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