Wealth Farming Advisory

Loans · Project finance

Funding shaped around the build

A new unit does not earn on the day the loan lands. Project finance is structured so repayment starts when the project does — which a standard term loan does not do.

Discuss your projectCall +91 88067 78771

Staged drawdown Moratorium around commissioning

How it is structured

Four things that make it different

  1. Staged drawdown

    Funds released against milestones rather than in one payment, so you are not paying interest on money sitting idle.

  2. Moratorium

    A period where you pay interest only, or nothing at all, while the project is built and commissioned. Interest still accrues during it — worth understanding rather than discovering later.

  3. Repayment matched to cash flow

    The schedule is built around when the unit starts generating, not around a generic tenure.

  4. Promoter contribution

    Lenders expect you to fund a share, commonly 25–40%. A project with no promoter skin in it is a hard sell to any credit committee.

What decides it

The project report does most of the work

A credit committee is not assessing you so much as the project: what it costs, what it will produce, who buys the output, at what margin, and what happens if volumes come in 30% below plan. A report that answers those honestly, with sensitivities, gets a hearing. One built backwards from the amount you want does not.

We will tell you where a report is weak before it goes to a lender, because the second submission after a rejection is always harder than the first.

  • Detailed project cost with quotations, not estimates
  • Realistic ramp-up — month one is not month twelve
  • Sensitivity analysis on volume, price and input cost
  • Clear source for the promoter contribution

FAQ

Questions people actually ask

How much will a lender fund?

Commonly 60–75% of project cost, with the balance as promoter contribution. It varies with sector, security and the strength of the projections.

Do I need collateral as well?

Usually. The project assets themselves are typically charged, and lenders often want additional security for the shortfall — though scheme-backed guarantees can substitute in some cases.

How long does it take?

Longer than any other loan here — commonly four to twelve weeks, because appraisal is a genuine exercise rather than a scorecard. Build that into your project timeline rather than assuming funding arrives on demand.

Bring us the project early

Before the report is finalised is better than after. Structure is easier to fix at the start.

Discuss your project Call +91 88067 78771

Application forms are being finalised. Until they are live, call or email us and we will start your application directly.