Three Funding Tiers
Business Loan ₹20L–₹50Cr, Machinery Loan ₹20L–₹50Cr, Project & Expansion Funding ₹1Cr–₹100Cr - right-sized to your capex.
Term Loan
Business, Machinery & Project Loans
Term funding for machinery, factory expansion, plant setup, civil works and project execution. Customised structure across Business Loan, Machinery Loan and Project & Expansion Funding.
- Loan Amount
- ₹20 Lakhs – ₹100 Crore
- Interest Rate
- 9% – 13% p.a.
- Tenure
- 36 – 120 Months (with moratorium)
- Processing Fee
- 0.5% – 1.5% of facility
About Business / Term Loan
Whether you are buying a single CNC machine or setting up a greenfield factory, BankBrick has the right term funding for the scale of your ambition. We structure Business Loans from ₹20 Lakhs to ₹50 Crore for general expansion and capex, Machinery Loans from ₹20 Lakhs to ₹50 Crore for equipment purchase, and Project & Expansion Funding from ₹1 Crore to ₹100 Crore for plant setup, civil works, captive utilities and large infrastructure capex. Repayment is amortised over the asset's useful life - typically 3 to 10 years - with optional moratorium during implementation. Our CAs prepare the Detailed Project Report, CMA data, IRR/DSCR computation and means-of-finance, then place the proposal across Government Banks, MNC Banks and Private Banks for the most competitive blended cost of capital.
Key Features
Moratorium Period
Principal moratorium of 6–24 months during plant implementation and stabilisation - interest-only servicing while you build.
Up to 75% LTC
Banks typically fund 65%–75% of project cost; promoter contribution and internal accruals fund the balance.
DPR & Project Report by CAs
Bank-grade Detailed Project Report, CMA data, IRR/DSCR computation and sensitivity - the bedrock of a fast sanction.
Subsidy & Scheme Linked
PMEGP, CLCSS, CGTMSE, state-level capital subsidies and sector-specific schemes - linked into the structure where eligible.
Multi-Bank Placement
Single-bank, multiple-banking or consortium - placed across Government Banks, MNC Banks and Private Banks for best terms.
Why Choose BankBrick for Business / Term Loan?
- Right-sized funding - Business Loan, Machinery Loan or Project & Expansion route
- DPR, CMA, IRR/DSCR built by CAs - directly improves sanction speed and quantum
- Multi-bank placement across Government Banks, MNC Banks and Private Banks
- Subsidy linkage - CLCSS, PMEGP, state capex schemes folded in where eligible
- CGTMSE coverage for the eligible portion to reduce collateral demand
- End-to-end support - share requirement, profile analysis, funding structure, disbursement
Eligibility Criteria
| Entity Type | Proprietorship, Partnership, LLP, Pvt Ltd, Public Ltd |
|---|---|
| Vintage | 2+ years of operations (new projects considered with strong promoter track record) |
| Annual Turnover | ₹1 Crore and above (lower for Business Loan tier) |
| Promoter Contribution | 15% – 35% of project cost (varies by tier and activity) |
| DSCR | Minimum 1.50x average over the loan tenor |
| Security | Hypothecation of new assets + collateral security, or CGTMSE-backed cover for eligible MSMEs |
Required Documents
- PAN of entity + KYC of promoters/directors
- Last 3 Years audited financials + ITR
- GST registration & last 12 months returns
- Last 12 Months bank statements (all accounts)
- Detailed Project Report (DPR) - we prepare
- Machinery quotations / civil estimates / property docs
- Land documents (for factory/property)
- Statutory approvals (pollution, fire, factory licence - as applicable)
FAQ
Common Questions, Clear Answers
Have more questions? Our team is here to help. Reach us on WhatsApp or give us a call.
Who is a business term loan meant for?
Manufacturers, contractors, EPC firms, service businesses, and trading companies funding long-life assets - typically plant and machinery, factory expansion, commercial property, captive power, or warehouse construction. It is not meant for short-term working capital, which is funded via CC/OD limits.
How much of my project cost will the bank fund?
Banks typically fund 65%–75% of the project cost - referred to as the loan-to-cost (LTC) or debt-to-equity ratio. The balance is funded through promoter contribution, internal accruals, or subsidy. BankBrick structures the means-of-finance to optimise both leverage and DSCR.
What is the moratorium period and how does it work?
During the implementation and stabilisation phase of a project, banks grant a moratorium on principal repayment - typically 6 to 24 months depending on the asset and ramp-up timeline. Interest is serviced monthly throughout. EMI on principal begins after the moratorium ends.
Do I need to offer collateral for a business term loan?
The new assets being financed are themselves hypothecated/mortgaged to the bank. Additional collateral - existing property or fixed assets - is typically required, though up to ₹5 Crore can be covered under CGTMSE without collateral for eligible MSMEs.
Can I link government subsidies to my term loan?
Yes. Schemes like CLCSS (15% capital subsidy on machinery for select sectors), PMEGP, state-level capex subsidies, and sector-specific incentives can be integrated into the term loan structure. We identify eligibility and coordinate the subsidy claim with the bank as the nodal agency.
Discuss Your Requirements
Discuss Your Requirements