Project Finance
Project Finance is a specialized funding solution designed for businesses, builders, developers, and entrepreneurs who need capital to execute large-scale projects. At ReaLoan, we help you secure the right project finance by assessing your project’s strength, cash flow potential, and overall viability to connect you with the best lending partners.
Whether you are planning a real estate development, infrastructure project, manufacturing unit, hotel, warehouse, or industrial expansion, our expert guidance ensures you get structured funding tailored to your needs.
What ReaLoan Offers in Project Finance
End-to-End Project Evaluation
We help prepare and present a clear project profile including cost estimates, revenue projections, and feasibility analysis to improve approval chances.
Wide Network of NBFCs & Lenders
We partner with leading Banks, NBFCs, Housing Finance Companies, and Private Lenders who specialize in project-based funding.
Structured Funding Solutions
We arrange customized financial structures such as:
Term Loans
Working Capital Loans
Cash Credit
Construction Finance
Bridge Loans
Equipment & Machinery Finance
High-Value Funding Support
Get access to medium and large-ticket funding depending on project scale and repayment capability.
Fast-Track Processing
Our experienced team ensures your documents, project reports, and financials are prepared professionally to reduce delays and increase approval probability.
Transparent Guidance
Every step is handled with complete clarity, ensuring you receive funding without hidden charges or misleading commitments.
Are you ready for your Project Finance?
Who Can Apply for Project Finance?
Real Estate Developers
SME & MSME Units
Manufacturers
Warehouse & Logistics Companies
Infrastructure Providers
Renewable Energy Projects
Educational Institutions
Hospitals & Healthcare Units
Why Choose ReaLoan for Project Finance?
20+ years of financial expertise
Access to multiple specialized lenders
High approval rate with structured presentation
Complete advisory from planning to disbursal
FAQs
What is Project Finance?
Project Finance is a long-term funding structure provided for large business projects such as real estate development, manufacturing plants, hotels, warehouses, hospitals, infrastructure, renewable energy, and industrial expansion. The repayment comes primarily from the project’s future cash flow, not the borrower’s personal income.
What is the eligible funding amount under Project Finance?
ReaLoan facilitates Project Finance in the range of:
₹5 Crore to ₹500 Crore
Final limits depend on:
Project cost and viability
Expected revenue cash flow
Asset collateral value
Promoter’s background and financial strength
NBFC or Bank’s internal exposure caps
Some lenders offer even higher amounts for Tier-A developers and strong industrial groups.
Who is eligible for Project Finance?
Eligibility is based on promoter and project credibility. Typically required:
Private Limited / LLP / Partnership / Listed Company
Minimum 3 years business track record (some NBFCs accept new SPVs with strong parent companies)
Clean banking transactions & GST compliance
Positive net worth (or strong parent guarantee)
Promoter contribution (margin) as per project size
Satisfactory credit history and repayment track record
For real estate projects, the developer’s past delivery track record and RERA compliance are important.
What type of projects can get financed?
Banks and NBFCs typically fund:
✔ Commercial real estate projects (offices, malls, hotels)
✔ Residential development projects
✔ Manufacturing units (greenfield or expansion)
✔ Warehouse & logistics parks
✔ Hospitals & healthcare facilities
✔ Educational institutions
✔ Infrastructure projects
✔ Renewable energy projects (solar, wind)
✔ Industrial automation or plant upgrades
How much promoter contribution is required?
Most lenders follow the standard industry rule of:
25%–40% promoter contribution (equity)
However, for strong groups, NBFCs may reduce it to 20%.
Banks have stricter norms under RBI guidelines, usually requiring higher equity and complete project documentation.
What is the minimum CIBIL / credit score requirement?
For large-ticket loans, lenders focus more on corporate creditworthiness than individual scores, but typically:
Promoter CIBIL score: 700+ preferred
Corporate credit score: must have clean repayment history
No major defaults, settlements, restructuring, or NPA records
NBFCs may accept slightly lower scores if the project strength and collateral are strong.
What collateral is required for Project Finance?
Most lenders require:
Mortgage of project land & building
Hypothecation of project receivables
Assignment of project cash flows
Escrow of sales/lease rentals
Personal guarantee of promoters
Corporate guarantee (if needed)
Security structure varies depending on the nature of the project.
What documents are required to apply for Project Finance?
✔ Detailed Project Report (DPR)
✔ CMA Data (Cost, Means, Cash Flow)
✔ Company KYC, GST, ROC filings
✔ Past 3 years Financial Statements
✔ Project approvals (RERA, building plan, pollution, Fire NOC, etc.)
✔ Land documents & valuation report
✔ Promoter Net Worth Statement
✔ Cash Flow Projections for 5–10 years
NBFCs may allow relaxed documentation depending on project type.
How is eligibility and loan amount decided?
Banks and NBFCs evaluate multiple factors:
Project feasibility & profitability
Repayment capability from future revenue
DSCR (Debt Service Coverage Ratio) — should be >1.2 ideally
Collateral value & asset coverage ratio
Background & track record of promoters
Market demand & project location
Cost overruns and risk assessment
What is the loan tenure for Project Finance?
Typical tenure:
5 to 15 years
Industrial & infrastructure projects may receive extended terms depending on concession periods and revenue cycles.
How long does it take to get approval?
NBFCs: 15–45 days (faster, flexible underwriting)
Banks: 30–90 days (stricter due diligence, RBI norms)
Large-ticket loans require more technical, legal, and financial evaluation.
What interest rates are applicable?
Rates vary based on project type and risk profile:
Banks: 9% – 13% (linked to RLLR/MCLR)
NBFCs: 11% – 18% (based on risk, speed, flexibility)
Specialized project lenders: may go higher for high-risk projects
Do lenders fund 100% of the project cost?
No.
Banks and NBFCs typically fund:
60%–75% of the total project cost
Promoter equity must be invested first before disbursal milestones.
Is personal guarantee of promoters required?
Yes.
Almost all lenders require personal guarantee for project loans, including corporate projects, unless the firm has extremely strong balance sheets (large listed companies).
Can an SPV (Special Purpose Vehicle) apply for Project Finance?
Yes.
Most real estate & infrastructure loans are structured through SPVs.
However, lenders will still evaluate the parent company and may require a corporate guarantee.
Borrower Testimonials
