Important: This guide is general information, not a lender offer or a guarantee of eligibility. Product rules differ across banks/NBFCs and can change.
Define the asset clearly
Provide vendor details, model/specification, price, taxes, installation and expected delivery. Used machinery may need valuation and additional due diligence.
Explain the business impact
Lenders may want to understand how the equipment supports capacity, efficiency, sales or cost savings.
Plan the margin
Borrowers commonly contribute part of the asset/project cost. Exact margin and loan-to-value rules depend on lender and asset.
Financial viability
Existing cash flow, projected repayments, current debt and project economics should support the requested facility.
Disbursal is often transaction-linked
Asset finance may disburse against invoices, vendor documents, margin evidence and lender conditions rather than as unrestricted cash.
Common questions
FAQ
Some lenders support eligible imports, with additional documentation and transaction requirements.