Machinary Loan
Scale Your Production Line.
Goodfind Wealth’s Machinery Loans are engineered to help MSMEs and large-scale industries acquire the latest technology without depleting their working capital. Whether it's CNC machines, printing presses, or medical equipment, we fund your growth.
Industrial Hardware
Financing for heavy-duty manufacturing, textile looms, and construction yellow-goods (Excavators/Cranes).
Medical & Healthcare
Tailored credit for diagnostic equipment like MRI scanners, CT scans, and high-precision surgical robotic units.
Green Energy Tech
Specialized low-interest lines for Commercial Solar Plants, EV charging infrastructure, and waste management systems.
The Depreciation Shield
Did you know? Machinery loans allow you to claim significant tax benefits through depreciation (up to 15-40%) and treat loan interest as a business expense, effectively reducing your net cost of capital.
Industrial Leverage Advantages
High LTV (Up to 80%)
We finance up to 80% of the machinery cost (Proforma Invoice value), including transportation and installation.
Collateral-Free Options
For loans up to ₹2 Crores, we offer CGTMSE backed funding where no secondary property collateral is required.
Flexible Repayment
Align your EMI cycle with your production cycles—choose from monthly, quarterly, or structured step-up payments.
Used Machinery Funding
We provide credit for certified pre-owned machinery not older than 5-7 years to help reduce initial investment.
Quick TAT
Get technical and financial approval within 72 hours so your production line never stops moving.
Import Financing
Integrated LC (Letter of Credit) and Buyers Credit for importing high-end machinery from overseas suppliers.
Business Merit Matrix
Eligible Entities
- ✔ Sole Proprietors & Partnership Firms
- ✔ Private & Public Limited Companies
- ✔ MSME Registered Units (Udyam)
- ✔ Minimum 3 Years in Business Operations
- ✔ Positive Net Worth for last 2 Financial Years
Financial Thresholds
- ✔ Annual Turnover: Minimum ₹50 Lakhs
- ✔ Credit Score: 700+ (CIBIL/CMR)
- ✔ Debt Service Coverage Ratio (DSCR): > 1.25
- ✔ Profitability: Net profit for the last 2 years
Technical & KYC Checklist
Technical Dossier
Proforma Invoice from the supplier, Machinery Specifications, and a brief report on projected production capacity.
Financial History
Audited Balance Sheets (3 years), GST Returns (last 12 months), and 6 months Primary Bank Statement.
Statutory Compliance
Udyam Registration, Pollution Control Board NOC (if applicable), and Factory License.
Machinery ROI Calculator
Calculate the monthly cost of your equipment upgrade.
MONTHLY ASSET EMI
₹ 53,735
Total Interest₹ 7,24,100
Total Repayment₹ 32,24,100
Tariff Schedule
| Item | Standard Charges |
|---|---|
| Interest Rate Range | 9.50% to 15.00% (Market Linked) |
| Processing Fee | 0.50% to 1.5% + GST |
| Documentation Charges | Flat ₹5,000 to ₹15,000 |
| Foreclosure Penalty | 2% to 4% (NIL for MSMEs after 12 months in select schemes) |
| Stamp Duty | As per State Government norms |
Industrial Insights
What is Hypothecation?
The machinery being purchased acts as the primary security. It is hypothecated to the bank until the loan is fully repaid.
Do you fund Second-hand machines?
Yes, provided a certified valuer provides a residual life certificate stating the machine will last beyond the loan tenure.
What is DSCR?
Debt Service Coverage Ratio measures your business's ability to pay its monthly debt obligations from its net operating income.
