Project Loan

Project Loan

Project loan is the financial arrangement of long-term infrastructure, industrial, manufacturing and service projects. Every project needs financing to implement and run it successfully. One of the major sources of financing for big infrastructure projects is debt financing. Project finance is nothing but sourcing funds to a long term infrastructure project, or any other project.

Project Financing Involves:

The project is developed through a separate, and usually single-purpose, financial and legal entity. The debt of the project company is often completely separate from the sponsors direct obligations. The sponsors seek to maximise the debt-to-equity leverage of the project, and the amount of debt is linked directly to the cash flow potential, and to a lesser extent the liquidation value, of the project and its assets.

The sponsors guarantees (if any) to lenders generally do not cover all the risks involved in the project. Project assets (including contracts with third parties) and revenues are generally pledged as security for the lenders. Firm contractual commitments of various third parties (such as construction contractors, fuel and other feed stock suppliers, purchasers of the project’s output and government authorities) represent significant components of the credit support for the project.

 project loan in mumbai

Indexia Finance specialises on Project Finance which are dependent on large-scale foreign currency financing. Indexia Finance works with several banks and financial institutions and have an in-house Project Financing team, which analyses and evaluates the project and arranges the funding. The Indexia Finance advisory financial services plays a very important role in funding big projects, and liaison between the loan seeker and the loan giver. The team has a vast experience and knowledge of financial
modelling and spreadsheets.

The role of the team is :

  • Advising the client on the optimum loan facility to be availed
  • Studying the credit worthiness of the loan seeking entity and determining the exact requirement of the project
  • Assistance in facilitating loans so that the entire process is accelerated
  • Assistance in compiling of necessary documents for the loan process
  • Project finance is tailored to meet the needs of the client for their specific project
  • The project is carefully structured for its economically, technically, and environmentally feasibility

Document Required

For Self Employed (Private Ltd. Co. and Partnership Firms)

  • PAN Card
  • Address Proof (Ration card Tel/ Electricity Bill/ Lease agreement/ Passport/Trade license /Sales Tax certificate)
  • Bank Statement (latest 6 months bank)
  • Last 2 Years ITRs (computation of income) Balance Sheet and Profit & Loss a/c Audited or Certified by a CA
  • Proof of continuation (ITR/ Trade license /Establishment /Sales Tax certificate)
  • Sole Proprietor Declaration or Certified Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association & Board resolution (Original)
  • Certificate & Proof of business existence along with Business Profile
  • Photocopy of Title Documents of the Property, Approved Plan etc.


For Self Employed (Individuals). Include – Sole proprietors, Partners & Directors

  • Proof of Identity (Passport / Voters ID card/ Driving License/PAN Card)
  • Address Proof (Ration card Tel/elect. Bill/ Lease agreement/ Passport/ Trade license /Sales Tax certificate)
  • Bank Statement (latest 6 months)
  • Latest ITR along with computation of income, Balance Sheet & Profit & Loss a/c for the last 2 yrs. Audited or Certified by a CA
  • Proof of continuation (ITR/Trade license /Establishment /Sales Tax certificate)
  • Other Mandatory Documents (Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association (certified by Director) & Board resolution (Original)
  • Certificate & Proof of business existence along with Business Profile
  • Photocopy of Title Documents of the Property, Approved Plan etc