THE CREDIT LANE
About this funding solution
Infrastructure contractors face a specific cash flow pattern: mobilisation costs are incurred upfront, billing happens at milestones, and client payment — especially from government and PSU clients — often lags well behind billing.
Funding for this sector is structured around the project's actual execution and billing calendar rather than treated as a generic business loan, typically priced 10.5–15% per annum with mobilisation advances and milestone-linked working capital as the core components.
Where relevant, we also support arranging the bid and performance bank guarantees required to participate in and execute tenders — a standard requirement infrastructure contractors face that general business lending doesn't address.
*Indicative EPC/infra project finance band; actual pricing depends on contract quality and client (govt/PSU/private).
Who is this solution for?
For registered contractors executing or bidding EPC/infrastructure work, not general SME borrowers.
- Executing or bidding for EPC/infrastructure contracts
- Need mobilisation advance or equipment finance ahead of project start
- Cash flow gap between milestone billing and client payment realisation
- Government or PSU contracts with standard payment delays
Why consider this funding route?
Mobilisation advance
Upfront funding to cover site setup, equipment mobilisation and initial procurement.
Bank guarantee facilitation
Support in arranging performance and bid guarantees required for tenders.
Milestone billing-linked WC
Working capital sized against the project's billing schedule, not flat turnover.
Equipment finance bundled
Heavy machinery and equipment loans structured alongside project funding.
How it works
Contract review
Work order terms, client payment history and project scope assessed.
Facility structuring
Mobilisation advance, WC and equipment lines sized against the project plan.
Sanction
Terms finalised, including any bank guarantee support required.
Milestone-linked release
Funds and WC limits track the project's actual billing and execution stages.
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
Upfront funding to cover initial site setup, equipment deployment and procurement before milestone billing begins generating cash inflow.
Yes, we assist in arranging the guarantees typically required to participate in and execute tenders.
Both, provided there's a verifiable work order or contract establishing the scope and payment terms.
Standard bill certification and treasury release cycles for government works commonly run 60–120 days — we size working capital facilities with this delay factored in rather than assuming prompt payment.
Check Eligibility
Submit details for Infrastructure Companies Funding. Our desk reviews profile variables and calls you back the same working day.