Machine Refinancing for Manufacturing Company

Manufacturing businesses can unlock additional capital by refinancing their existing machinery. This financial strategy allows manufacturers to restructure loans at better interest rates while freeing up funds for other operational needs. Machine refinancing helps reduce financial strain, improve cash flow management, and reinvest in business expansion, making it a strategic funding option for companies looking to optimize their asset utilization.

Refinancing machinery can unlock capital, providing funds for operational needs and business expansion.

Manufacturing company financing

Key Features of Machine Refinancing

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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)

Manufacturing Machine Refinancing Benefits

Machine refinancing offers a wide range of benefits that can significantly support the financial growth of manufacturing companies.

  1. Access funds tied up in your existing machinery to fuel business growth.
  2. Improve cash flow without selling assets
  3. Benefit from lower rates as machinery acts as collateral.
  4. Retain the use of machinery while refinancing.
  5. Use the funds to purchase new machinery or expand operations.
  6. Tailored repayment schedules to match your cash flow cycles.
  7. Address short-term financial needs or repay high-cost loans.

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Machine Refinancing Eligibility for Manufacturing Company

Eligibility for machine refinancing is based on factors such as business stability and the valuation of existing machinery.

  1. The machinery should hold a sufficient market value.
  2. A minimum of 2–3 years in operation is typically required.
  3. A good credit score improves the chances of approval.
  4. Positive track record of repaying past loans.
  5. The machinery should be in good condition and currently in use.
  6. Demonstrated consistent profitability and sound financial health.
  7. Proper licenses and approvals for business operations.

Documents for Manufacturing Machine Refinancing

A streamlined document checklist ensures quicker loan approvals for machine refinancing. Required Documents:

  1. Business documents KYC documents of the company and its directors.
  2. Latest financial statements (audited P&L and balance sheets).
  3. Income tax returns for the last 2–3 years.
  4. Machinery valuation report Proof of ownership for the machinery being refinanced.
  5. Bank statements for the last 6–12 months.

Manufacturing Machine Refinancing with Terkar Capital

Our machine refinancing solutions are designed to meet the funding requirements of manufacturing companies. These solutions allow you to leverage the value of your existing machinery to access capital with flexible terms quickly. Whether upgrading manufacturing equipment, enhancing laboratory facilities, or improving packaging processes, our machine refinancing options enable you to maintain operational efficiency, grow your business, and achieve financial stability without incurring additional debt.

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FAQs on Machine Refinancing for Manufacturing Companies

Any operational and high-value machinery used in manufacturing can typically be refinanced.

The machinery being refinanced itself serves as collateral.

Yes, small manufacturers can apply if they meet the eligibility criteria.

The value is assessed by an authorized appraiser based on the machinery’s condition, age, and market value.

Yes, funds can be utilized for various business purposes, including working capital needs.

Refinancing is possible for older equipment if it holds adequate market value.

Yes, multiple machines can be refinanced under a single loan, subject to valuation.

Financing the Manufacturing Companies in

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

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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.

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The Capital, Level 7, B-Wing, Plot C – 70, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051.

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