Loan for fixed assets
Machinery, equipment, building, expansion
Premium Project Finance
Term Loans
Quick Reference for Your Business
Loans for Assets & Expansion - everything you need to know about Term Loans.
01
What It Is / When Needed
Repaid over a fixed tenure
In EMIs, after any moratorium
Backed by a project report
showing viability and repayment capacity
May be eligible for
PMEGP / CGTMSE / scheme subsidies
02
Documents Required
Project report
with cost and financing plan
KYC
and business registration
Audited financials
and ITRs
Quotations / proforma
for assets to be purchased
Collateral / security documents
if required
03
Key Facts
| Point | Details |
|---|---|
| Purpose | Capital expenditure - assets, expansion |
| Tenure | Typically 3-7 years (varies by lender) |
| Own contribution | Margin money as required by lender/scheme |
| Key metric | DSCR - repayment capacity from cash flows |
Note: A term loan funds growth - but the bank lends against future cash flows. A strong project report with a healthy DSCR is what gets it sanctioned. Pair it with the right subsidy scheme (PMEGP, CGTMSE) where eligible to cut your cost.
04
Why Clients Trust Filings Hub
A real, qualified Chartered Accountant
Not an agent - a CA who builds the project report and links the right subsidy scheme to your term loan.
Bankable, honest numbers
Project reports and CMA data built on realistic figures lenders trust - not inflated projections.
The right scheme & lender
We match you to the correct scheme and lender so you do not waste time on rejections.
Clear updates in your language
Simple updates in Telugu and English - you always know where things stand.
End-to-end support
From documentation to sanction and post-loan compliance.