THE CREDIT LANE
About this funding solution
Hospital funding sits at the intersection of infrastructure and equipment finance, since most facilities need both civil construction and high-value medical equipment financed together or in close sequence.
Established multi-specialty hospitals with adequate collateral can access bank pricing around 8.25–9.5% per annum; NBFCs charge more (9–16%+) but process in 3–7 days versus 10–20 days for banks and often accept equipment hypothecation instead of additional property collateral.
Because a meaningful share of hospital revenue is delayed through insurance and TPA settlement cycles, working capital facilities for healthcare providers are typically sized with that lag built in, rather than assuming immediate cash realisation.
*Banks ~8.25–9.5% for established hospitals with collateral; NBFCs 9–16%+ with faster turnaround.
Who is this solution for?
Fits registered clinical establishments financing equipment, bed capacity or both — not personal medical loans.
- Setting up a new facility or adding bed capacity
- Purchasing high-value diagnostic or surgical equipment
- Managing receivables delays from insurance/TPA settlements
- Established practice looking to formalise into a larger facility
Why consider this funding route?
Equipment-specific financing
Dedicated lines for diagnostic, ICU and surgical equipment with vendor-direct payment.
Receivables-aware structuring
Working capital sized with insurance/TPA settlement delays factored in.
Expansion + infra combined
Single relationship spans new construction and equipment procurement.
Licensing-stage support
Documentation guidance for facilities still completing regulatory approvals.
How it works
Facility assessment
Current capacity, licensing status and expansion plan reviewed.
Sizing
Loan structured against equipment cost, construction estimate or both.
Sanction
Terms finalised with vendor-direct payment for equipment tranches.
Disbursal
Funds released to vendors/contractors per procurement or construction stage.
Indicative Repayment (EMI) Calculator
Use the sliders below to get an indicative estimate. Final terms are subject to formal underwriting and lender / investor committee assessment.
Client experience
FAQs
Yes, they're commonly combined, with separate tranches and vendor-direct payment for equipment.
It's factored into working capital sizing rather than treated as a red flag — this is standard for the sector.
Yes, diagnostic and specialty centres qualify under the same equipment and infrastructure lines.
Banks are cheaper (8.25–9.5%) if you have collateral and can wait 2–3 weeks; NBFCs (9–16%) fund in days and accept equipment as security — we help you weigh the trade-off.
Check Eligibility
Submit details for Hospital Funding. Our desk reviews profile variables and calls you back the same working day.