Profectus Capital provides secured loans for income generating purposes to SMEs in Manufacturing and Service Sectors operating in eleven identified Industry-Clusters.

The main loan products are:

  • Enterprise Mortgage Loan: Property Backed Business Expansion Loans
  • Machinery and Equipment Funding
  • School Funding Program: K12 Schools for upgrading facilities
  • Supply Chain Solutions: Anchor backed Dealer Financing, Bill
  • Discounting and Vendor Financing
  • Merchant Cash Advances: POS based daily repayment type Business Loans

Credit assessment is cash-flow based thus addressing precise funding requirements of SMEs in identified clusters.

You can apply for a loan:

  • By clicking on Enquire Now
  • Sending an email to
  • Call our Customer Service Helpline No 022- 4919-4400 and Relationship Managers from Profectus Capital will reach out to take the process ahead.

The basic documents for loan application are –

The documents in hardcopy or scans can be shared with Profectus Relationship Manager, who will assist you to fill-out a Loan Application Form. Post receipt of these documents and the completed Application Form, Relationship Manager will provide you an acknowledgment slip for your application.

After Loan Application, Profectus team will conduct credit assessment and credit Bureau checks. In case necessary, additional information could be asked for completing the assessment.

After Loan Application, Profectus team will conduct credit assessment and credit Bureau checks. In case necessary, additional information could be asked for completing the assessment.

A Co-Applicant is a person who is applies along with the main applicant for a loan and can be an immediate family member with a separate identifiable income steam. Co Applicant’s income is used to supplement the applicant’s income during credit assessment for the loan and he/she is equally responsible for repayment of the loan.

Since having a co-applicant improves the chances of loan sanction given a better consolidated financial position, it is advisable to have a creditworthy Co-Applicant on the loan structure..

A Guarantor is a person who guarantees to pay for Applicant’s debt if he or she should default on the loan obligation.

Profectus Capital offers loans based on customer requirement and Free Cash Flows (repayment capacity) of customer business.
Ticket sizes range between Rs.25 lacs to Rs. 500 lacs.
Loan to Value ratios are generally in 30%-70%# bracket for Property backed loans and up to 85%# in Machinery and Equipment Funding programs.

# (LTVs are dynamic and can vary from case to case)

Loan to Value Ratio is the quantum of loan compared to the cost of machinery or property. So, LTV of 70% would mean Loan offered will be 70% of the cost of property, the balance being contributed by customer from his own resources.

Loans offered are at Profectus Prime Lending Rate (PPLR) and adjusted according to business risk of the customer. You can refer to PPLR in the Interest Rate and Schedule of Charges section of our website. Business with resilient and increasing cash-flows for over five years, stable management and strong market position, are eligible for a discount on their loan pricing.

The Interest calculated by Reducing Balance Basis taking a standard 365-day year as base.

The loan tenure depends on identified productive end-use of the loan. In cases of machinery purchase the tenure is directly linked to machine’s normal productive life most likely 18 months onwards. In case of Property Backed Loans, the maximum tenure can be up to 120 months.

Profectus has created simple Loan Agreements in booklet form that will be stamped as per the prevailing State Stamp Duty Act and signed by you. Our Relationship manager will guide you in documentation. For Machinery / Equipment Funding, the original invoice will have to be deposited with Profectus Capital and in case of property, a registered mortgage will have to be created in favour of Profectus.
Along with Loan Documents, Repayment Instruments like NACH or Post-Dated Cheques and Security Cheques will also have to be submitted.

The repayments are expected via Equated Monthly Instalments over the loan tenure. Monthly Repayments can be made through NACH / e-NACH registered in favour of Profectus Capital or Post-Dated cheques drawn in favour of Profectus Capital Pvt Limited.

In order to change the address on Loan Account, you may write to our Customer Service cell at and submit attested copy of revised address proof along with original address proof for verification. You can also speak to our Relationship Manager on Customer Service Helpline No 022- 4919-4400 who will guide you through the process.

In case you require a duplicate repayment schedule, you may write to our Customer Service cell at and make a request for the same. We will send you the soft copy at your registered email ID within 2 days. You may also refer to our Schedule of Charges for the applicable fee for duplicate repayment schedule.

In case you wish to change mode of repayment / bank account for your loan repayment, you may write to our Customer Service Cell at Or visit our branch and submit your request with the revised account mandate.

You can opt to repay through either NACH with revised bank-details, or through Post Dated Cheques.

The PDCs submitted earlier will be defaced and returned to you in case of repayment mode change over to NACH / e-NACH mode. All the unused Security cheques will be returned at the end of tenure only.

There are no additional charges for loan repayments in normal course of repayments. In case of NACH / PDC or repayment instrument bounces, Bounce Charges will be applicable. You can visit Interest Rate and Schedule of Charges section on our website to know more.

Once the loan is repaid in full at the end of contracted tenure or once it is pre-closed by clearing all dues in full, Profectus Capital will issue No Dues Certificate.

For pre-closures, Applicant or Co-applicant have to visit the nearest branch along with authority letter signed by all applicant and co-applicant with self-attested KYC documents for raising the request of pre closure Statement, our relationship manager would provide you with necessary assistance. Pre closure statement will be serviced within 50 working days. You may refer to Schedule of charges for the charges payable on pre-closure.

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