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YatharthFinancial Consultancy
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YatharthFinancial Consultancy
Book a consultation +91 99302 20892

Equip your business for what's next

New machinery can raise output and margins. We help manufacturers and contractors finance equipment in a way that lines up with the income it generates.

Book a consultationEstimate your EMI
A precision machine in a clean, well-lit workshop

Common reasons people choose a machinery loan

  • New machinery

    Production equipment for factories and units.

  • Used equipment

    Pre-owned machinery, subject to valuation.

  • Construction equipment

    For contractors and infrastructure work.

  • Upgrades

    Replacing older equipment to improve efficiency.

What to expect

  • Machinery itself is often the primary security
  • Supplier quotation and invoice drive the loan amount
  • Repayment can be planned around production income
  • Guidance on margin money and down payment expectations

Rates, amounts and tenures depend on the lender and your profile.

Illustrative EMI example

Amount
₹15,00,000
Assumed rate
12% p.a.
Tenure
5 years

Estimated monthly EMI

₹33,367

Total interest ₹5,02,000 over 5 years

Example only, not a quote. Excludes fees, insurance and other charges.

Try your own numbers

Documents and eligibility

A general guide. Each lender sets its own requirements, and we'll confirm the exact list for your case.

Documents usually requested

  • KYC: PAN card and Aadhaar (or other accepted ID and address proof)
  • Machinery quotation or proforma invoice
  • Business registration and GST documents
  • ITR, financials and business bank statements
  • Ownership documents for used machinery

What lenders typically assess

  • Business vintage and turnover
  • Type, value and resale of the machinery
  • Credit history
  • Existing debt and cash flow

How consultation and lender evaluation work

  1. Share your needs

    Tell us the loan type, rough amount and how to reach you. A short form or a phone call is enough.

  2. Personal consultation

    We understand your objectives and financial situation, and talk through realistic options.

  3. Review lending routes

    We discuss which lenders and products suit you, and what each is likely to require.

  4. Prepare your application

    We clarify documents and eligibility points so your file is complete before it's submitted.

  5. Lender decision

    The lender evaluates and verifies. Approval, terms and disbursement follow its policies.

Machinery Loan questions

Can I finance used machinery?
Often yes, subject to the machinery's age, condition and valuation. Lender policies differ widely.
Do I need to pay a down payment?
Most lenders expect some margin from the borrower. The amount depends on the lender and your profile.

Other services

Talk to us about your machinery loan.

Speak with our consultancy team about your financing needs.

Book a consultation Call +91 99302 20892