Project finance to
For starting a new business or industry, or expanding an existing one. We help you build a bankable structure — promoter contribution, debt, repayment holiday and DSCR — before you meet a lender.
- Higher amounts
- Ex-banker credit team
- Multi-lender comparison
Project Finance, explained simply
Project finance funds a new business or industry, or a major expansion, on the strength of the project's future cash flows, supported by the promoters' contribution and security.
Lenders judge three numbers above all: how much the promoters put in, the debt-equity ratio, and whether expected cash accruals cover repayments (DSCR). Our structure calculator lets you test these before your project report is finalised.
- Funding for land, building, plant and machinery
- Structured promoter contribution and debt
- Repayment holiday until commercial production
- Help with project report and projections
- Working capital tie-up for the new unit
- Comparison across banks and NBFCs
Know your numbers before the bank does
Project structure Bankability
Loan = cost × (1 − promoter margin) · D:E = loan ÷ promoter money · DSCR = (cash accrual + interest) ÷ annual debt service
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
DSCR check Bankability
DSCR = (PAT + depreciation + interest) ÷ (interest + principal repaid in the year) · lenders look for ≥ 1.25
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Who qualifies
Promoters Criteria
- Relevant experience in the line of business
- Ability to bring the promoter margin
- Clean credit history of promoters and group concerns
Project Criteria
- Detailed project report with cost, means of finance and projections
- Approvals, registrations and land documents in place
- Projected DSCR and debt-equity within lender norms
What you'll need
- Photograph of all applicants
- KYC: PAN card + Aadhaar / Passport / Driving Licence
- Residence proof: Passport / Voter ID / Driving Licence / recent electricity or telephone bill
- Office proof: GST registration / Udyam certificate / utility bill of the premises
- Income proof: last 2 years ITR with computation of income and financials
- Bank statement: last 6 months of the main business account
- Constitution proof: MOA–AOA / partnership deed (for companies and firms)
- Existing loans: repayment schedules / sanction letters of all running loans
- Audited financials: last 2 years with audit report and all schedules (existing businesses)
- Detailed project report with projections
- Quotations for plant & machinery
- Land / building title documents and approvals
- Promoter net worth statements
Tip: use our document checklist builder to tick off what you have and send the pending list to us on WhatsApp.
When this loan is the right tool
From first question to disbursal, in four steps
Check eligibility
Use a calculator or the 3-step check. No effect on your credit score.
Share documents
Our checklist tells you exactly what's needed — send it on WhatsApp or drop it at our office.
Ex-banker pre-check
Our in-house credit team reviews your file and selects the lenders most likely to approve at the best rate.
Sanction & disbursal
We follow up with the lender until the money is in your account — and stay for after-sales support.
Project Finance: your questions answered
Lenders typically expect promoters to fund around a quarter of the project cost from their own sources; the exact margin depends on the lender, sector and size.
It varies by sector and lender, but a ratio of up to about 2:1 to 3:1 is common for MSE projects.
Yes. A detailed project report with project cost, means of finance, projected profitability, cash flows and DSCR is the basis of the appraisal. We help you prepare it.
Yes, lenders usually allow a moratorium (repayment holiday) until commercial operations start.
The project assets (land, building, machinery) plus, often, collateral property or personal guarantees of promoters.
Yes. We arrange the term loan and the working capital limit together so the new unit can start smoothly.
Yes, for capital-heavy service projects such as hospitals, hotels, warehouses and schools.
It depends on project size and completeness of approvals; a well-prepared report shortens it considerably.
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Apply for project finance with an ex-banker on your side
One conversation, many lenders. We pre-check your file, negotiate the rate and stay with you after disbursal.
- WhatsApp+91 98717 48555
- Office011-45123555
- Emailsandeep@bhavyaa.com
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