Finance for heavy equipment purchases

Machinery Finance
Buy Equipment, Power Growth.

Acquire machinery and manufacturing assets with flexible payments designed for SMEs and industrial projects.

Asset-backed Support Structured financing for capital equipment

Funding Snapshot

Up to 90% financing on new or used machinery with easy repayment tenures.

  • Quick sanction
  • Funding up to ₹10 Crores
  • Low upfront cost
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Why Choose Machinery Finance?

Flexible credit solutions to acquire the equipment you need without draining working capital.

Business Fit

MINIMUM TURNOVER

₹2 crores

YEARS IN BUSINESS

2+ years

Required Documents

  • Machinery Invoice: Quotation or proforma invoice
  • Business Verification: GST, PAN, KYC
  • Financials: 12 months bank statements and financial statements

Loan Terms

  • Tenure 12 - 60 months
  • Interest Starting 10.5% p.a.
  • Processing 1% - 2%

Machinery Finance Benefits

Collateral-free

Unsecured machinery loans do not require land, property or any other business collateral.

Low cost credit

The interest rate charged on a machinery loan is relatively lower than that of traditional loans.

100% digitized process

The online machinery loan application process is fast, transparent, and completely hassle-free.

Flexible repayment options

A machinery loan can be repaid with highly flexible EMI options that suit your operational cash flow.

Instant disbursement

Get your loan disbursement directly into your account within 24-48 hours of the amount being sanctioned.

Why SMESAATHI?

SMESAATHI provides new-age customized financing products for your business needs

No collateral required
Minimum Paperwork
Attractive interest rate
Flexible repayment tenure
Approval within 48 hours
Nominal processing-fee
Easy EMI options

Frequently Asked Questions

Machinery finance is a credit solution designed to help businesses acquire advanced equipment, heavy machinery, or production tools without paying the full cost upfront. It preserves your operational cash flow and allows you to upgrade your capacity immediately.
No land, property, or separate business assets are required as collateral. The machinery being financed itself serves as the primary security for the loan.
To qualify with SMESAATHI, your business should ideally have a minimum annual turnover of ₹3 crores and at least 3 years of active operations. We support Public Ltd, Private Ltd, Partnerships, and Sole Proprietorships.
Our machinery finance interest rates are highly competitive, starting from 12% per annum. Eligible businesses can scale up with credit limits up to ₹5 Crores depending on their operational evaluation.
Thanks to our 100% digital onboarding process, approval timelines are rapid. Once your documents are verified and the loan is sanctioned, the amount can be disbursed directly to the vendor within 24 to 48 hours.
You'll need the proforma invoice or quotation for the machinery you wish to buy, business proof (GSTIN), primary identity details (PAN and Aadhaar), along with your business financial records (Bank statements, Balance sheet, and P&L statement for the last 3 years).
Yes, SMESAATHI offers customizable, easy EMI structures tailored to fit your cash flow cycles. You can structure your tenure options comfortably with your dedicated relationship manager to ensure repayments don't stress your operating capital.
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