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Industrial Power

Machinery & Equipment Loans

Modernize your production line. Get funding for CNC machines, printing presses, medical equipment, and heavy industrial machinery.

Get Quote Machine Types

75% Funding Refurbished Machines 5-Year Tenure

Upgrade to Efficiency

In manufacturing, technology is the competitive edge. Vardhman Finance supports the "Make in India" initiative by providing capital for plant and machinery acquisition. We understand the technical value of your assets.

Unlike traditional banks that treat machinery as just depreciating assets, we value the cash flow they generate. We fund both domestic and imported machinery, including second-hand or refurbished equipment with a valid residual life certificate.

Equipment Funded:

CNC & VMC: High-precision tooling machines.
Printing: Offset and Digital presses.
Plastic Molding: Injection molding machines.
Textile: Spinning and Weaving looms.

Why This Loan Works

Asset-based financing that understands manufacturing.

Import Financing

We issue Letters of Credit (LC) for importing machinery, converting it into a term loan upon arrival.

Used Machinery

Finance available for purchasing used machinery (domestic/imported) with valuation report.

Quick Sanction

Provisional sanction based on Proforma Invoice (PI) to help you negotiate better with suppliers.

Doorstep Process

Technical inspection and documentation done at your factory premises.

Eligibility Criteria

Business Type

Manufacturing or Industrial Service entities (MSMEs).

Vintage

Minimum 2 years in operation. (Startups considered with strong collateral).

Turnover

Minimum turnover of ₹1 Crore per annum.

CIBIL

Promoter CIBIL > 700. No recent defaults.

Documents Required

Invoice Proforma Invoice (PI) from the machinery supplier.
KYC & Business Proof GST, Udyam Aadhar, PAN, MOA/Partnership Deed.
Financials Last 2 years Audited Balance Sheet & P&L.
Banking Last 6 months bank statements.

Interest Rates & Charges

Best rates for capital goods financing.

Charge Type	Details
Interest Rate (p.a.)	9.50% - 13.00% (Floating)
Loan to Value (LTV)	Up to 75% of Invoice Value
Processing Fee	1.50% - 2.00% of Loan Amount
Tenure	3 Years to 7 Years
Valuation Charges	At Actuals (for Used Machinery)

Acquisition Process

Streamlined to get your machine running.

Select

Identify the machine and get a Proforma Invoice.

Sanction

We approve the loan based on machine value and cash flow.

Margin

You pay your margin money (25%) to the supplier.

Payment

We disburse the loan amount directly to the supplier.

The Vardhman Advantage

Our technical team includes engineers who understand machines. This allows us to fund specialized equipment that general banks might reject.

Moratorium

Up to 6 months moratorium on principal repayment for installation and setup.

Additional Collateral

Option to give additional collateral (property) for 100% funding.

Frequently Asked Questions

Is the machine hypothecated?

Yes, the machinery purchased serves as the primary security and is hypothecated to Vardhman Finance until the loan is repaid.

Can I get a loan for upgrading software?

Yes, if the software is integral to the machinery (e.g., CAD/CAM), it can be included in the project cost.

Do you fund molds and dies?

Yes, molds, dies, and jigs are considered part of the capital equipment and can be funded.