Machinery & Equipment Loans

Overview

Power Your Production Efficiency

High-performance financing for new and used machinery to scale your business operations without capital strain.

What are Machinery Loans?

Machinery loans are asset-specific funding solutions designed to help businesses acquire new or used equipment, industrial plants, and specialized tools. Whether you are a manufacturer looking to automate production, a clinic upgrading medical diagnostics, or a contractor buying heavy earthmoving equipment, Darsh Capital provides tailored machinery finance with competitive interest rates and high loan-to-value (LTV) ratios. We help you preserve your working capital by spreading the cost of expensive equipment over a manageable tenure.

Loan Amount ₹10L - ₹10Cr+
Interest Rate From 8.5% p.a.
Tenure Up to 7 Years
LTV Ratio Up to 80-90%

Perfect For

Manufacturing
Medical
Printing
Construction
IT Hardware
Food Processing
Why Choose Us

Why Partner with Darsh Capital?

Accelerate your technology upgrade with our specialized equipment financing advisory.

01

Fast Approval

Get in-principle sanction within 48-72 hours of complete document submission.

02

Maximum Funding

Avail up to 90% funding on the invoice value of new machinery from leading OEMs.

03

Tax Benefits

Benefit from depreciation claims and interest expense deductions on your equipment loan.

04

Used Machinery

Ability to finance certified used machinery (up to 5-7 years old) with valuation expert support.

05

Outcome Oriented

Expert advisory for 100% successful loan processing for complex industrial setups.

06

Flexible Tenure

Repayment schedules customized to your production cycles and cash flow projections.

Quick Application

Apply for Machinery Loan

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Eligibility

Asset Funding Eligibility

Minimum requirements to qualify for Machinery Financing

Business Profile

Minimum operational benchmarks

Vintage

At least 3 years in current business line

Financals

Positive net worth and cash profits

Banking

Strong banking track record with regular turnover

CIBIL Score

Preferred credit score of 700 and above

Machine Criteria

Equipment specific requirements

Asset Ownership

Machinery will be hypothecated to the bank

Insurance

Comprehensive asset insurance is mandatory

Technical Life

Remaining life > tenure (for used m/c)

Vendor

Purchase from reputed OEMs or approved dealers

Planning a Technology Upgrade?

Leverage our banking relationships for the best machinery ROI

Request a Proposal
Documentation

Documents Required

Essential paperwork for asset-backed financing

Proforma Invoice

Price quotation from the machinery vendor / OEM

KYC Docs

Owner's Pan, Aadhaar & Business Proofs

Business Financials

Last 3 Yrs ITRs and Audited Balance Sheets

Bank Statements

Latest 12 Months main business account statements

Repayment Plan

Brief project report or projected financials

Valuation Report

Approved engineer's report (only for used m/c)

Benefits

Machinery Loan Advantages

Fuel your industrial growth with smart capital deployment

01

Preserve Capital

Keep your liquid cash for daily operations and inventory

02

Higher Efficiency

Upgrade to latest tech to reduce waste and boost production

03

Collateral-Free

The machinery itself acts as the primary security for the loan

04

Tax Efficiency

Claim depreciation and interest as business expenses

05

Competitive ROI

Secured nature of the loan ensures lowering interest costs

06

Growth Catalyst

Expand capacity to take on larger orders and contracts

More Options

Explore Other Loans & Services

Discover our complete range of strategic financial products tailored for your business growth.

Testimonials

Success Stories

Real stories from manufacturers and clinicians we helped through machinery finance

“Updating our CNC production line was a major investment. Darsh Capital helped us get 85% funding with an OEM tie-up. Their knowledge of industrial assets is incredible.”
Deepak Jain Founder, Jain Precision Engineering
“Needed high-end diagnostic equipment for our new radiology center. Dhawal sir arranged the machinery loan with 7 years tenure, keeping our monthly burden minimal. Pro advisory!”
Dr. Rahul Sharma Medical Director, ScanCare center
“Even for used printing machinery, the Darsh Capital team helped us get a valuation and arranged funding when most banks were only looking at new equipment. Exceptional!”
Manoj Sathe Partner, Sathe Packaging Solutions
Expert Equipment Finance Advisory

Ready to Upgrade Your Equipment? Get Machinery Finance Today

Scale your production capacity with Darsh Capital's strategic asset financing. Experience that banks respect. Advisory that businesses trust.

FAQs

Frequently Asked Questions

Common questions about Machinery & Equipment Loans

Can I finance used or second-hand machinery?
Yes, many lenders finance certified used machinery, typically up to 5-7 years old with adequate remaining technical life. An approved engineer's valuation report is required to determine the current fair market value and remaining useful life of the machine. LTV offered on used machinery is generally lower (50-65%) compared to new machinery (up to 85-90%).
Is a moratorium period available on machinery loans?
Yes, most machinery loans offer a moratorium (repayment holiday) of 3 to 6 months, which allows your business to install and operationalize the new equipment before EMIs begin. Some lenders offer step-up EMI structures where initial payments are lower and increase gradually as your revenue scales up.
Can I claim depreciation on machinery purchased via a loan?
Absolutely. If you are the registered owner of the machine (which you are in a term loan), you can claim 100% depreciation in the first year under Section 32 of the Income Tax Act for eligible items. The interest component is also a fully deductible business expense. This dual benefit makes machinery loans extremely tax-efficient.
Do I need to provide additional collateral for a machinery loan?
For new machinery, the machine itself is the primary collateral (hypothecated to the lender). For established businesses with strong financials, additional collateral may not be needed. For used machinery or smaller businesses, some lenders may require a personal guarantee or a secondary property charge. CGTMSE coverage can also be used to make it collateral-free.
Why use Darsh Capital for machinery financing?
Machinery loans require specialized knowledge of asset classes and industry norms. We have deep relationships with banks that have dedicated manufacturing and MSME loan desks. We prepare detailed project reports that maximize your funding eligibility, coordinate technical valuations, and ensure the fastest possible approval timeline so your production plans are never delayed.