Funding Up to 90% Machine Cost

Machinery Loans & Equipment Finance — Upgrade Your Plant Productivity

Acquire state-of-the-art industrial machinery, CNC tools, healthcare equipment, earthmoving vehicles, and printing lines with up to 90% invoice funding, flexible moratorium periods, and subsidy linkages.

New & Refurbished Machinery
Tenure up to 7-10 Years
Hypothecation of Asset Only
Covered Industries FAQs

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Compare interest rates, processing fees & LTV ratios from 35+ lenders.

Asset Finance

Equipment Financing Across Diverse Sectors

Specialized OEM tie-ups and asset-backed financing without demanding residential property collateral.

CNC & Engineering Tools

VMC, HMC, Lathes, Laser cutting, EDM wire cutting, and metal forming tools. Funding up to 85%-90% of proforma value with tenures up to 7 years.

  • OEM tie-ups with leading Indian & global makers
  • Fast turnaround within 5-7 working days
Medical & Healthcare Equipment

Financing for Doctors, Hospitals, and Diagnostic Centers for MRI, CT Scanners, Ultrasound, Cath Labs, Dialysis units, and ICU setups.

  • Special doctor-friendly interest rates
  • Zero collateral up to ₹3 Crores for qualified practitioners
Printing & Packaging Machinery

Offset printing, flexographic presses, corrugated box lines, pouch packing machines, and laminators for commercial printers and carton manufacturers.

  • Funding for Heidelberg, Komori & domestic lines
  • Moratorium covering installation and calibration
Food Processing & Agro Industries

Flour mills, oil extraction plants, rice mills, dairy pasteurization, sorting/grading equipment, and cold chain blast freezers.

  • Priority Sector Lending (PSL) interest benefits
  • Eligible for MOFPI & NABARD capital subsidies
Construction & Earthmoving

Hydraulic excavators, backhoe loaders, mobile cranes, concrete batching plants, transit mixers, and road rollers for civil contractors.

  • Direct billing from JCB, Caterpillar, Volvo, Tata Hitachi
  • Seasonal and flexible EMI structures
Textile & Garment Plants

Circular knitting, computerized embroidery, automated fabric cutting, spinning frames, and industrial sewing machine floors.

  • ATUFS subsidy compliance assistance
  • Extended tenures up to 8 years
Simple Approvals

Required Documents for Machinery Sanction

Valid Proforma Invoice (PI) from authorized OEM or certified machine dealer detailing machine specifications, accessories, basic price, GST, transit insurance, and delivery schedule.

Last 2-3 years audited Balance Sheet and P&L statements, 6-12 months operative bank statement, 12 months GSTR-3B filings, and existing loan repayment track record (if any).

Factory ownership title deed or registered lease agreement, sanctioned electric connected power load certificate from state DISCOM, and pollution control consent (where applicable).

The Just Digital Asset Advantage

We structure equipment financing through specialized equipment leasing arms and NBFCs that evaluate machine productivity and commercial utility rather than insisting on heavy real-estate collateral.

Up to 90% LTV
Minimal promoter margin contribution
Up to 6 Mo Moratorium
Start paying EMI after commercial production
Subsidy Assistance
Guidance for State & Central capital subsidies
No Real Estate Lien
Primary hypothecation on financed machinery
Step by Step

How Your Machinery Loan Is Processed

Direct manufacturer payment upon delivery

1
Submit PI & Quote

Provide proforma invoice details and company financials via the quote form.

2
Technical Appraisal

Lender evaluates machine utility, OEM credentials, and cash flow generation.

3
Sanction Letter

Issuance of formal term sheet with margin percentage and repayment tenure.

4
Payment to OEM

Direct disbursement to machine manufacturer/dealer; delivery to your factory.

Associated Lending Network

We Are Associated With All Major Bank & NBFC Companies

Get instant digital loan approvals, best-in-market interest rates, and swift disbursement through our verified network of leading Indian banking and non-banking financial partners.

NBFC
Aditya Birla
Personal & Business Loans
NBFC
Axis Finance
Competitive Interest Rates
NBFC
Bajaj Finance
Instant Digital Disbursal
Bank
Bandhan Bank
Affordable Retail Loans
NBFC
Chola Finance
Flexible EMI Solutions
Fintech NBFC
Finnable
Fast Salary Track Loans
NBFC
Fusion Finance Pvt Ltd
Micro & Small Enterprise Loans
Bank
ICICI Bank
Pre-approved Instant Loans
Bank
IndusInd Bank
Quick Processing & Limits
Bank
Kotak Mahindra Bank
100% Paperless Process
NBFC
Piramal Finance
Hassle-Free Approval
NBFC
Poonawala Fincorp
Transparent & Fast Payouts
Fintech NBFC
Prefr
Direct App Approval
NBFC
Tata Capital
Trusted Financial Solutions
Bank
Utkarsh Small Finance Bank
Retail & MSME Credit
Bank
Yes Bank
Flexible Tenure & Limits
Aditya Birla (NBFC)
Axis Finance (NBFC)
Bajaj Finance (NBFC)
Bandhan Bank (Bank)
Chola Finance (NBFC)
Finnable (Fintech NBFC)
Fusion Finance Pvt Ltd (NBFC)
ICICI Bank (Bank)
IndusInd Bank (Bank)
Kotak Mahindra Bank (Bank)
Piramal Finance (NBFC)
Poonawala Fincorp (NBFC)
Prefr (Fintech NBFC)
Tata Capital (NBFC)
Utkarsh Small Finance Bank (Bank)
Yes Bank (Bank)
Aditya Birla (NBFC)
Axis Finance (NBFC)
Bajaj Finance (NBFC)
Bandhan Bank (Bank)
Chola Finance (NBFC)
Finnable (Fintech NBFC)
Fusion Finance Pvt Ltd (NBFC)
ICICI Bank (Bank)
IndusInd Bank (Bank)
Kotak Mahindra Bank (Bank)
Piramal Finance (NBFC)
Poonawala Fincorp (NBFC)
Prefr (Fintech NBFC)
Tata Capital (NBFC)
Utkarsh Small Finance Bank (Bank)
Yes Bank (Bank)
100% RBI Regulated Entities
Direct Login & Fast Approvals
Secure & Paperless Documentation
Pan India Distribution
Got Questions?

Frequently Asked Questions

Important details regarding machinery term loans and equipment leasing

Yes! We arrange loans for second-hand and imported machinery provided the equipment is inspected and certified by a Chartered Engineer to possess a minimum residual economic life of 7 to 10 years. Funding up to 70%-75% of fair market valuation is available.

In most cases, the machinery being financed serves as the primary security via exclusive hypothecation. For standard CNC, packaging, and earthmoving machinery, additional real-estate collateral is usually waived for creditworthy borrowers with 2+ years profitable operations.

Yes! Lenders provide a principal moratorium of 3 to 6 months covering machinery transit, civil foundations, power energization, and trial runs. During this phase, only simple interest is payable, ensuring cash flows are not strained prior to commercial output.

Interest rates range from 9.25% to 11.75% depending on customer financial strength and asset liquidity. Tenures are typically 5 to 7 years (and up to 8-10 years for heavy plant machinery).

Install Advanced Machinery & Boost Plant Capacity

Submit your proforma details today. Get customized sanction terms and OEM direct disbursal.

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