Home / Healthcare Loans / Pharma Manufacturing Loan
Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026
Capex for formulation units.
Plant, machinery and WHO-GMP upgrade finance for pharmaceutical manufacturers — from granulation lines to full greenfield units.
₹1–100 Cr
Project size
WHO-GMP
Upgrade finance
10–12 yrs
Tenure
Overview
Compliance capex is bankable capex
Lenders fund pharma capex against the order book, contract-manufacturing agreements and export registrations that the new capacity unlocks. GMP / WHO-GMP upgrades are treated as revenue-protecting investments.
We structure term loans for the plant, machinery loans for lines, and working capital for the ramp — one coordinated facility set.
At a glance
FundingPlant, lines, GMP upgrades, greenfield
AppraisalOrder book & CMO agreements
StructureTerm + machinery + WC together
SchemesCLCSS / state incentives where eligible
Who is eligible?
- Existing manufacturers or promoters with pharma background
- Drug manufacturing licence (or licence path for greenfield)
- Order book / CMO contracts supporting projections
- Promoter contribution 20–25%
- Compliant site with pollution clearances
Documents you'll need
- Manufacturing licence & product permissions
- Project report with capacity & order-book detail
- 3 years' financials & ITR
- Machinery quotations
- Bank statements
Scaling formulation capacity? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.
Check your eligibility