Customised financial solutions for Manufacturing and Service sectors

Our mortgage loans empower MSMEs to unlock the potential of their property, providing financial support for business growth or working capital requirements. With flexible repayment plans and industry-specific expertise, we tailor solutions to meet your unique needs and drive success.

Loan benefits include:

• Business expansion: Gain resources or space to grow your operations.
• New property purchase: Finance new locations to scale your business or open branches.
• Infrastructure upgrades: Modernise facilities to enhance efficiency and stay competitive.
• Strategic growth: Expand capacity or explore new opportunities to meet market demand.

Get the tailored funding that will help propel your business forward

• Secured Term Loans: Flexible collateral options and cash flow-based assessments tailored to your business needs, considering industry margins and future growth.
• Healthcare Loans: Designed for healthcare institutions with geographical flexibility and cash flow-based assessments.
• Working Capital Term Loan: Offers flexible repayment linked to daily credit utilization and options for monthly or quarterly repayments.
• Plot + Construction Loans: Financing for industrial/commercial plots and construction, based on property market value for maximum funding.
• Zero-Day LAP: Enables borrowing beyond the agreement value by leveraging the property’s higher market value.

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• Industry Type: Must operate in one of the 11 specified sectors.
• Business Vintage: At least 3 years in business, with 6+ months in the current setup.
• Loan Amount: ₹20 Lakhs to ₹5 Crores (based on eligibility).
• Age: Applicants must be 21–65 years old.

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Profectus Capital offers tailored financial solutions to help MSMEs in manufacturing and service sectors acquire essential machinery. From CNC and injection moulding machines to medical equipment, we finance a wide range of tools across industries like manufacturing, healthcare, packaging, food processing, and more. Our expertise ensures businesses can enhance efficiency, boost competitiveness, and achieve long-term business growth.

Loan Purpose:

• Expand production capacity to meet demand.
• Upgrade machinery for better efficiency and cost savings.
• Acquire advanced technology to stay competitive.
• Improve product quality to meet industry standards.

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• Loans for new and used machinery (Printing & Healthcare sectors for used).
• Flexible tenure up to 4 years.
• Funding: Up to ₹3 Cr for machinery, ₹2 Cr for solar panels.
• No secondary collateral required.
• High LTV ratio for reduced upfront costs.
• Cash flow-based assessments for tailored terms.
• Special schemes with OEMs.
• ₹50 Lakh loans for first-time machinery buyers (traders).

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• Age: 21 to 65 years.
• Citizenship: Indian citizen.
• Business Vintage: Minimum 3 years in operation.

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Solar energy offers MSMEs, schools, hospitals, and commercial enterprises an effective way to reduce energy costs, improve efficiency, and support sustainability. Profectus Capital provides tailored financing for solar panel installations, allowing businesses to save on energy costs and enjoy free electricity after loan repayment.

Why Choose Profectus?

• Quick & Easy Application: Digital, hassle-free process.
• Collateral-Free Financing: Borrow up to ₹1 Crore without additional collateral.
• One-Time Investment, Lifetime Savings: Save on energy immediately and enjoy free power post-repayment.
• Positive Environmental Impact: Lower energy costs and reduce your carbon footprint.

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• Higher Loan Amounts: Financing up to ₹3 Crore for solar energy needs.
• Flexible Repayment: Terms up to 4 years, based on your cash flow.
• Solar Panel Capacity: Financing for systems from 15 kW to 100 MW.
• No Secondary Collateral: No additional collateral required for loans up to ₹1 Crore.
• High LTV Ratio: A high LTV ratio covers most of the panel costs, reducing upfront investment.

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• Age: 21 to 65 years old.
• Citizenship: Indian citizen.
• Business Vintage: Minimum 5 years in business.

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At Profectus Capital, we understand the pivotal role K-12 schools play in shaping India’s future. To stay competitive, schools need more than just skilled teachers—they need modern infrastructure, advanced educational technology, and spaces that promote holistic learning. Whether it’s expanding facilities, adding classrooms, or adopting sustainable practices like solar panels, these investments attract more students and improve financial health.

Profectus Capital offers flexible financing to help schools modernize their infrastructure and embrace green energy, supporting your commitment to academic excellence and long-term growth.

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• Hassle-Free Login: Fully digital, seamless application process.
• Flexible Loan Terms: Loans from ₹25 lakh to ₹5 crore, with repayment tenures between 2 to 7 years.
• Quick Approvals: Approvals within 3 to 7 working days, based on actual cash flow assessments.
• Flexible Collateral: Accepts school properties or individual residential/commercial properties as collateral.
• Support for Non-Metro & Rural Areas: Financing available for schools in both urban and rural areas.
• High LTV Ratio: Up to 80% LTV ratio based on property market value for larger loan amounts.

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• Operational Period: At least 3 years in operation.
• Student Strength: Minimum 300 students.
• Loan Eligibility: Based on the institution’s actual receipts.
• Co-Applicants: Minimum 2 co-applicants (trustees or members of the society/trust).

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Supply Chain Finance (SCF) optimizes working capital by enhancing supply chain liquidity, reducing financial pressure, and boosting operational efficiency. Profectus Capital offers tailored SCF solutions, including Distributor Financing, Vendor Finance/Bill Discounting, and Merchant Cash Advance, to streamline supply chains and improve financial health.

• Faster Payments: Access funds quickly, pay suppliers on time, and strengthen relationships while benefiting from early payment discounts.
• Improved Cash Flow: Free up capital tied in receivables to invest in inventory, expand offerings, or cover operational costs.
• Flexible Financing: Choose from revolving credit, bill discounting, or merchant cash advances tailored to your needs.

• Application Form with Applicant KYC and GST Details
• Financial Statements and Income Tax Returns for the last 3 years
• Bank Account Statements for the last 12 months

Non-Banking Financial Companies (NBFCs) play a key role in driving financial inclusion in India. To support their growth, Profectus Capital offers flexible Term Loans for onward lending, enabling NBFCs to expand their portfolios and serve more customers. With a focus on corporate governance, ethical lending, and innovation, we also explore Strategic Alliances with other NBFCs to drive mutual growth and create new opportunities.

• Term Loans: Funding for new portfolio creation, expanding lending capacity.
• Structured Offerings: Pool purchases and customized finance solutions to improve liquidity and strengthen balance sheets.

• Application Form and KYCs
• Latest Company Deck
• Three-Year Portfolio Details and Audited Financial Statements
• Rating Rationale (if rated)