THE CREDIT LANE
About this funding solution
A standard bank machine loan is often the fastest route when a business already holds a banking relationship, since much of the KYC and credit assessment reuses existing records.
Pricing typically runs 9–13% per annum, secured against the machinery itself, with up to 80% of invoice value financed and tenure stretching 3–7 years depending on the asset's useful life.
Where this route differs from SIDBI or scheme-linked finance is flexibility — banks can structure tenure, moratorium and repayment around your specific cash flow rather than a fixed scheme template.
Typical secured machinery loan pricing from scheduled banks; final rate depends on relationship and credit profile.
Who is this solution for?
Fits businesses that want to keep financing within an existing bank relationship rather than route through a scheme.
- Have an existing current account or credit relationship with a bank
- Prefer a single-bank relationship over multi-lender scheme routes
- Buying machinery where SIDBI scheme criteria don't apply
- Need faster turnaround using an existing banking file
Why consider this funding route?
Relationship-based pricing
Leverages your existing banking history to negotiate rate and tenure.
Broad machine coverage
Applicable across manufacturing, printing, textile, food-processing and more.
Moratorium structuring
Repayment holiday negotiated for machines with a commissioning lag.
Multi-bank rate check
We benchmark your primary bank's offer against 3–4 alternatives before you sign.
How it works
Rate benchmarking
We pull comparative quotes from your bank and 3 alternatives.
File preparation
Financials and machine specs compiled into the lender's format.
Sanction
Bank issues terms; we negotiate rate, tenure and moratorium if needed.
Disbursal
Payment released to vendor on invoice, machine delivery confirmed.
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
Not automatically — we still benchmark against other lenders, and use competing offers to negotiate your bank's terms.
Yes, particularly if the machine needs installation or commissioning time before it generates revenue.
We re-route the same file to an alternate bank or NBFC in our panel without restarting documentation from scratch.
SIDBI's SPEED/SPEED Plus schemes (8.8–10.5%) typically undercut standard bank machine loans (9–13%) for eligible MSMEs — we check SIDBI eligibility first.
Check Eligibility
Submit details for Machine Loan from Bank. Our desk reviews profile variables and calls you back the same working day.