Machine Refinancing for Auto Component Industry

Machine refinancing is an effective way for auto component manufacturers to unlock capital tied up in existing machinery. As a result, whether you need funds for business expansion, working capital, or upgrading technology, refinancing allows you to leverage your existing assets without disrupting operations.

Key Features of Unsecured Working Capital

get money icon

Ticket size varies from Rs. 25 lacs to Rs 100 Cr

interest rate

The interest rates starting with 9.5% for INR and SIBOR + 300 bps for USD

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The turnaround time to raise the fund is as low as 3-4 days.

Simple paperwork

Simple terms and less paperwork

flexible repayment

The repayment tenure varies from 3 to 5 years.

(*T&C Applied)

Machine Refinancing Advantages for Auto Component Industry

Refinancing your machines provides financial flexibility and enhances cash flow management. Key benefits include:

  1. Reinvest by releasing capital from existing machinery
  2. Reduce the cost of funding by restructuring existing loans
  3. Improve cash flow without acquiring new debt
  4. Retain ownership while utilizing the asset’s value
  5. Access lower interest rates with structured repayment plans
  6. Fund business expansion, R&D, or operational upgrades
  7. Maintain liquidity without selling core assets
  8. Get customized refinancing solutions tailored to your needs

Machine Refinancing Eligibility for Auto Component Industry

Auto component manufacturers can qualify for machine refinancing based on specific criteria, including:

  1. Ownership of machinery with clear legal titles
  2. A stable financial track record of the business
  3. The age and condition of the machinery
  4. The current market value of the asset
  5. The company’s repayment capacity and creditworthiness
  6. Existing loans or liabilities associated with the equipment
  7. Business registration and compliance with industry norms
  8. Consistent revenue generation

Machine Refinancing Documents Required

To process a machine refinancing loan, businesses need to submit:

  1. KYC documents of the business and owners
  2. Proof of ownership of the machinery
  3. Existing loan details (if applicable)
  4. Audited financial statements for the past 2-3 years
  5. Bank statements for the last 6-12 months
  6. GST returns and income tax filings
  7. Business registration and compliance documents
  8. Any additional documents requested based on financial assessment

Machine Refinancing at Terkar Capital

At Terkar Capital, we specialize in helping auto component manufacturers refinance their machinery efficiently. As a result, our tailored solutions ensure that you get the best refinancing terms with minimal hassle. Whether you need funds for expansion, working capital, or technology upgrades, we offer customized financing options that align with your business goals.

Machine Refinancing FAQs for Auto Component Industry

Yes, multiple machines can be refinanced under a single structured loan.

Yes, older machinery may have lower refinancing value, but eligibility depends on its condition and market valuation.

Yes, ownership remains with you while the machinery is used as collateral.

Yes, refinancing reduces borrowing costs and improves cash flow without additional debt.

Financing the Auto Component Industry in

Pune / PCMC  |  Mumbai  |  Hyderabad  |  Delhi  |  Bengaluru  |  Chennai  |  Kolkata

Terkar Capital is a registered brand of Terkar Global Financial Development Pvt Ltd, an Investment Banking Firm with a national footprint. We work extensively with professionals and businesses of all sizes to arrange debt funding instruments.

© Terkar Capital 2026

CIN: U70200PN2023PTC224016

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