Modern machinery is the heartbeat of every manufacturing business. ThynkFin helps MSMEs acquire the equipment they need — without straining working capital.
Project Finance
What is Machinery Finance?
Machinery Finance (also called Equipment Finance or Term Loan for Plant & Machinery) allows businesses to purchase new or pre-owned machinery with the machine itself as primary collateral. This preserves your working capital for operations.
Ideal For
- Textile, garment, and weaving units
- Engineering and fabrication workshops
- Food processing and packaging units
- Printing and packaging businesses
- Pharma and chemical manufacturers
- Auto component manufacturers
Key Features
| Loan Amount | ₹5 Lakh to ₹50 Crore |
| Tenure | 3 to 7 years |
| LTV (Loan to Value) | Up to 80–90% of machinery value |
| Interest Rate | Starting from 7.00% p.a. based on credit rating |
| Repayment | EMI-based; step-up EMI available |
| Schemes Available | CGTMSE, PMEGP, ECLGS for eligible MSMEs |
| Banks | We have affiliation with more than 30 Banks/FIs |
Special Note for MSMEs
Udyam-registered MSMEs may qualify for subsidised interest rates under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) — meaning collateral-free loans up to ₹5 Crore. ThynkFin actively leverages these government schemes for our clients.
