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As a business owner, you spend each day with an unswerving focus on growing your venture. Naturally, you know all too well the importance of the right amount of capital, at the right time, to keep the ship sailing. More so, when it comes to purchasing equipment and machinery that is the lifeblood of your business.
Naturally, you also understand that the cost of acquiring certain essential equipment may be high, capable of exhausting the working capital. Whether yours is a start-up, an emerging, or an established business, you can avail easy Equipment Finance solutions, designed exclusively for ambitious business owners seeking funding minus disruptions to the business’ cash flow. Simply pledge an equipment as collateral and get easy financing!
Businesses in India can choose from several equipment financing and leasing options based on their operational needs, budget, and ownership preference. Understanding these options can help companies acquire essential machinery without a heavy upfront investment.
Equipment Term Loans: Businesses borrow funds to purchase equipment and repay the amount through fixed EMIs over an agreed tenure. Ownership typically rests with the borrower.
Finance Lease: The lender purchases the equipment and leases it to the business for a fixed period. The business pays regular lease rentals and may obtain ownership at the end.
Operating Lease: The equipment is leased for a shorter duration without ownership transfer. It suits businesses needing equipment temporarily.
Sale and Leaseback: Businesses sell existing equipment to a lender and lease it back, helping unlock working capital.
Choosing the right financing or leasing option can help businesses manage cash flow while accessing modern equipment.
Tata Capital’s equipment term loans are designed to offer 360-degree financial support to your business. Use the loan product to fund your business’ on-going expansion needs, repay high-cost debt, upgrade technology and machinery, invest in R&D, leverage specific cash streams that accrue into your company, and supplement working capital.
A good Loan to Value of 70 to 80% of the equipment value – enjoy lower interest rates and easier accessibility to your equipment term loan
Enjoy attractive ROIs in the form of enhanced business productivity, faster turnaround time, happy customers, and higher profits
Customisable loan tenure to match your budget
Tata Capital offers a one-of-its-kind credit facility programme wherein Indian manufacturers are encouraged to explore new geographies of equipment purchase from the overseas supplier. Our buyers’ credit programme is a short-term loan offering wherein importers can receive credit from overseas lending institutions based on the issuance of a ‘letter of credit.’ Local importers can now have access to cheaper foreign funds as opposed to local funding sources that may be more expensive.
A cheaper source of financing overseas purchase
Enjoy lower interest rates that are linked to LIBOR
Receive needed funds without exhausting working capital and existing lines of credit
No secondary collateral needed subject to company profile
Pay lower margin money when compared to banks
Option of structured EMI where moratorium can be given for the post-installation period
Tata Capital offers a digital platform for machinery loans ranging between Rs. 10 lakhs and Rs. 1 crore. Customers can understand their loan eligibility within minutes and log onto the digital portal to apply for a loan.
Collateral-free
Customisable tenure of 24 to 60 months
Pre-approved machinery loan offers
All-digital, fast, and hassle-free
Tata Capital evaluates applicants based on their business stability, financial strength, and intended use of the equipment.
Eligible Business Types: Private limited companies, public limited companies, partnership firms, LLPs, and proprietorships can apply for equipment financing or leasing.
Business Vintage: Applicants generally need a minimum operating history of 2–3 years.
Financial Stability: The business should demonstrate consistent revenue and maintain a satisfactory credit profile.
Purpose of Equipment: The equipment must support legitimate business operations or productivity.
Approved Vendors: The equipment should be purchased from an approved manufacturer or vendor.
Meeting these criteria can improve the chances of obtaining equipment financing or leasing from Tata Capital.
Applying for equipment financing online in India is a simple and structured process. Tata Capital offers a digital application journey that helps businesses request funding for machinery and equipment with minimal paperwork.
Visit the Website: Go to the Tata Capital website and navigate to the Equipment Finance or Corporate Solutions section.
Submit an Inquiry: Share basic details, including equipment type, estimated value, and business information.
Connect with a Representative: A Tata Capital representative will contact you to guide you through the process and explain the documentation requirements.
Upload Documents: Submit KYC documents, financial statements, and equipment details through the online portal.
Approval and Disbursal: After credit evaluation and agreement signing, the loan amount is disbursed directly to the vendor.
This streamlined process helps businesses secure equipment financing quickly and efficiently.
Below are the features and advantages of choosing Tata Capital’s Equipment Finance services to meet your business requirements:
Tata Capital offers equipment financing and leasing solutions for businesses across many industries. Healthcare providers can finance diagnostic machines, imaging systems, and surgical equipment. Manufacturing companies often fund production machinery, CNC machines, and assembly line equipment to support daily operations.
Technology companies can lease servers, networking hardware, and computing infrastructure. Construction firms finance earthmoving machines, cranes, and material handling equipment, while renewable energy businesses fund solar panels, wind turbines, and energy storage systems. This broad coverage supports the needs of different sectors.
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