Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026
Term loans that fund expansion.
Structured capex funding for factory expansion, new production lines, acquisitions and long-gestation growth — repaid from the cash flows the investment creates.
Sized to the project, not just the collateral
Lenders appraise a term loan on projected DSCR — whether the expanded business generates enough cash to service the debt. Security is usually the project assets plus collateral cover.
We build the financial model and projections the way credit teams want them, negotiate moratorium during implementation, and structure repayment to match your cash-flow ramp.
Who is eligible?
- Operating businesses with 3+ years' track record
- Viable expansion project with clear cost estimates
- Adequate promoter contribution (typically 20–25%)
- Satisfactory credit history across the group
- Collateral / project security as per lender norms
Documents you'll need
- 3 years' audited financials & ITR
- Project report with cost & means of finance
- Quotations / civil estimates for the capex
- 12 months' bank statements
- KYC and constitution documents
Planning an expansion worth funding properly? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.
Check your eligibility