Project Finance — Large Scale. Structured Right.
Infrastructure, real estate, manufacturing, energy — we structure complex project funding with bank-grade expertise from our ex-banking, CA & legal team.
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Project finance is not a loan application. It is a structured financing transaction that banks evaluate on the merit of the project — not just the promoter's balance sheet.
Most project finance applications fail because the DPR is weak, DSCR assumptions are unrealistic, or the debt-equity structure doesn't match lender expectations.
CreditPicker's ex-banking team has structured ₹100+ crore across 30+ sectors — and we know exactly what a credit committee needs to see before saying yes.
What is Project Finance?
Project finance is a long-term financing structure where the loan is repaid primarily from the project's own cash flows, not the promoter's balance sheet. It's used for large-scale capital-intensive projects where the asset being created serves as primary collateral.
Unlike a regular term loan, project finance involves detailed feasibility assessment, structured disbursement linked to construction milestones, moratorium periods, and often multi-bank consortium lending for larger ticket sizes.
Our role: We prepare the entire financing package — DPR, CMA data, legal documents — so the credit committee sees a bankable deal, not just an application.
Project Finance Flow
Project SPV
Special Purpose Vehicle
Debt + Equity
Structured funding mix
Lender Consortium
Multi-bank syndication
Construction
Milestone-based disbursal
Revenue
Operational cash flows
Repayment
DSCR-linked schedule
Project Types We Fund
Real Estate Development
Residential & commercial — from land acquisition to project completion funding
Manufacturing Plant Setup
Greenfield & brownfield projects — machinery, civil work, working capital
Renewable Energy
Solar parks, wind farms, biomass — with IREDA & green finance tie-ups
Infrastructure
Roads, bridges, logistics parks, warehousing — BOT/HAM/EPC models
Hospitality
Hotels, resorts, convention centres — long gestation structuring expertise
Healthcare Facilities
Hospitals, diagnostic centres, pharma plants — with moratorium structuring
Our Structuring Approach
The difference between approval and rejection often lies in how the deal is structured. Our team brings banking-side expertise to every proposal.
Debt-Equity Structuring
Our CA team optimises D:E ratio for maximum funding while keeping promoter contribution efficient
DSCR Assessment
We model cash flows across project phases to meet lender DSCR benchmarks (typically 1.3x–1.5x)
Collateral & Security
Our legal team structures guarantee, charge creation & escrow documents that banks accept first time
Eligibility & Key Terms
Documentation We Prepare
DPR Preparation
Detailed Project Report with market analysis, technical feasibility & financial projections
CMA Data by CA Team
Credit Monitoring Arrangement data prepared by our in-house Chartered Accountants
Legal Opinion & Title Search
Property title verification, encumbrance certificates, and legal opinion for lenders
Bank Sanction Negotiation
Terms negotiation — interest rate, moratorium, prepayment, security release conditions
The Team Behind Your Deal
Ex-Banking Experts
Project finance desk experience from Axis Bank — we know what credit committees look for and how to present deals.
CA Team
15+ years in project appraisals, CMA data preparation, financial modelling, and DSCR structuring.
Legal Team
Charge creation, title search, guarantee structuring, and documentation that meets bank compliance standards.
Deals We've Structured
₹20 Cr Manufacturing Plant — Rejected by 2 Banks
Mid-size manufacturer rejected by two PSU banks citing inadequate DSCR. We rebuilt the DPR with revised capacity utilisation, prepared CMA showing 1.45x DSCR, and structured SIDBI co-lending.
₹20 Cr Solar Plant — Rajasthan
Rejected twice by a PSU bank on cash-flow concerns. We restructured the DSCR model with revised PPA assumptions and routed the deal through IREDA + private bank.
₹35 Cr Real Estate Project — Pune
Large residential project requiring consortium funding. DPR, CMA and legal structuring completed end-to-end. Three private banks came together as a consortium.
₹20 Cr Cold Storage — Haryana
First-time promoter with limited banking history. We identified the NHB + NABARD route, prepared the agri-infra DPR, and got sanction in record time.
Lenders We Work With for Project Finance
We don't approach all 30+ lenders — we approach the right one for your project profile, ticket size and sector.
Development Finance Institutions
PSU Banks
Private Banks
NBFCs & Specialised
Schemes & Incentives
IREDA Loans
Renewable energy projects — 7-8% rate, long tenure
HUDCO
Affordable housing & urban infrastructure
NABARD
Agricultural & rural infrastructure projects
NHB
Refinance for housing finance companies
IIFCL
Infrastructure projects above ₹100 Cr
PLI Schemes
Production-linked incentives for manufacturing
ECLGS
Emergency credit support for existing borrowers
Project Finance Timeline
Target: 45-60 days from mandate to sanction
Project Finance Questions
Have a Project Between ₹5 Crore and ₹500 Crore?
Send us the details. Our structured finance team reviews within 24 hours — no commitment, no spam.
Get Project Assessment — Free
Our structured finance team will review and connect within 24 hours