Machinery & Equipment Finance

Overview

The machine pays for itself. The finance should too.

Buying machinery with your own cash is expensive — it strips liquidity you need for daily operations. Equipment finance lets you acquire the asset now and pay for it over its productive life, while keeping working capital available for running the business.

We structure the loan tenure to match asset life, negotiate the LTV, and ensure the hypothecation or lease structure fits your tax and cash-flow objectives.

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Key Features

Why Machinery & Equipment Finance With SHF

High LTV

Often up to 100 percent of asset value for established borrowers — preserves your working capital.

New and Used Assets

Finance new machinery, imported equipment, or even used assets subject to valuation and age limits.

Tenure Matches Life

Repayment structured to asset useful-life — so EMIs don't outlive the productive value.

Asset-Backed Pricing

Because the asset itself is security, rates are typically lower than unsecured business loans.

Depreciation Benefit

Claim depreciation on owned asset — tax-efficient versus renting or leasing in most cases.

Sector-Aware

Manufacturing, printing, construction, healthcare, IT — we know which lenders know which sectors best.

FAQs

Commonly Asked

Yes — subject to lender-specific policy on asset age and a third-party valuation. Typically assets under 5–7 years old qualify, with shorter tenures than new-asset finance.

Depends on tax position, asset lifespan, and whether you want ownership. We'll compare hypothecation loan versus operating or finance lease so the choice is informed.