Project Funding Solutions

Large Scale Project Funding
₹100-1000+ Crore
Infrastructure Finance

Institutional-grade financing for mega real estate, infrastructure, and industrial projects. Average ticket size: ₹100-200 Crore. Competitive rates from 9.49% p.a. for established developers.

₹100 Cr - ₹1000+ Cr
✅ Mega Townships
✅ Commercial Complexes
✅ Industrial Parks
Get Project Funding Quote Check Eligibility

Trusted by Industry Leaders

85+

Large Projects Funded

₹2500Cr+

Total Disbursed

₹180Cr

Avg Ticket Size

9.49%

Best Rate

Project Funding Solutions We Offer

Customized financing for every type of project

Residential Project Funding

Finance mega townships, luxury high-rises, integrated townships, gated communities, and large-scale housing projects.

  • Mega Townships (1000+ units)
  • Luxury High-Rise Towers
  • Integrated Townships
  • Large Housing Projects (500+ units)
Loan Amount: ₹50 Cr - ₹500 Cr
Interest Rate: From 9.99% p.a.
Avg Ticket: ₹150-200 Cr

Commercial Project Funding

Fund mega commercial complexes, IT parks & SEZs, premium office towers, large retail developments, and Grade-A buildings.

  • IT Parks & SEZ Development
  • Grade-A Office Towers
  • Mega Shopping Malls
  • Logistics Parks & Warehouses
Loan Amount: ₹100 Cr - ₹1000 Cr
Interest Rate: From 9.49% p.a.
Avg Ticket: ₹200-300 Cr

Manufacturing & Industrial Funding

Finance large manufacturing facilities, industrial parks, production plants, automobile units, and infrastructure projects.

  • Large Manufacturing Plants
  • Industrial Parks & SEZs
  • Automobile Manufacturing
  • Infrastructure Projects
Loan Amount: ₹50 Cr - ₹500 Cr
Interest Rate: From 10.49% p.a.
Avg Ticket: ₹120-180 Cr

Why Builders & Manufacturers Choose ADVANCECRED

Specialized project finance for serious business growth

₹1000+ Cr

Maximum Funding

₹180 Cr

Average Ticket Size

9.49%

Best Interest Rate

85%

Funding Ratio (LTV)

Key Features of Our Project Funding

Fast Approval Process

Initial approval in 7-10 days. Quick due diligence and property valuation. Dedicated relationship manager for your project.

High Loan-to-Value Ratio

Up to 85% LTV on land + construction costs. Flexible funding structure based on project milestones. Minimal equity requirement.

Flexible Tenure

2-7 years tenure based on project completion timeline. Interest-only payments during construction. Bullet payment options available.

Expert Consultation

Free project feasibility analysis. Financial structuring advice. ROI optimization suggestions. Regulatory compliance guidance.

Interest Rates by Project Size

₹500-1000+ Cr (Mega Projects) 9.49% - 10.49%
₹200-500 Cr (Large Projects) 9.99% - 11.49%
₹100-200 Cr (Medium-Large) 10.49% - 12.49%
₹50-100 Cr (Medium Scale) 11.49% - 13.49%

Best Rates (9.49-9.99%) for:

  • Reputed builders: 10+ years, ₹500Cr+ past projects
  • Prime location: Mumbai, Bangalore, Pune (Grade-A areas)
  • Strong pre-sales: 40%+ booking completed
  • Listed companies & institutional developers
  • Projects ₹200 Cr+ with proven track record

Funding by Project Size

We fund projects of all scales - from boutique to large-scale developments

₹50-100 Cr

Medium Scale
  • • 100-200 unit apartments
  • • Commercial buildings
  • • Manufacturing facilities
  • • Warehouse complexes

₹100-200 Cr

Large Projects
  • • 300-500 unit townships
  • • Mid-size IT parks
  • • Large manufacturing
  • • Industrial complexes

₹200-500 Cr

Mega Projects
  • • 1000+ unit townships
  • • High-rise towers (40+ floors)
  • • Large IT parks/SEZs
  • • Major industrial parks

₹500-1000+ Cr

Ultra Premium
  • • Mega integrated townships
  • • Smart cities/satellite towns
  • • Large infrastructure projects
  • • Multi-phase developments

Project Funding Process

Simple 7-step process from application to disbursement

1

Initial Consultation

Submit project details, location, estimated cost. Free feasibility discussion with our commercial lending team.

2

Document Submission

Project report, approvals, land documents, financial statements, builder profile, previous projects track record.

3

Property Valuation

Independent valuation by certified valuers. Site visit by technical team. Market analysis and feasibility study.

4

Credit Assessment

Financial analysis, creditworthiness check, past project performance review. Risk assessment and mitigation planning.

5

Loan Approval

Sanctioned within 7-10 days. Loan offer with terms, interest rate, repayment schedule. Legal documentation preparation.

6

Legal & Execution

Loan agreement signing. Mortgage/hypothecation creation. CERSAI registration. Disbursement conditions finalized.

7

Disbursement

First tranche disbursed after all legal formalities. Subsequent tranches released based on construction milestones. Regular site inspections. Final tranche on project completion certificate.

Eligibility Criteria

Requirements for project funding approval

For Real Estate Builders

  • Minimum 3 years in real estate development
  • At least 2 successfully completed projects
  • RERA registration for the project (mandatory)
  • Clear land title with all necessary approvals
  • Building plan approval from municipal authority
  • 15-20% equity contribution in the project
  • Good credit history (no defaults/NPAs)

For Manufacturers & Industrialists

  • Minimum 3 years business operations
  • Positive cash flow for last 2 years
  • GST registration and regular filing
  • Audited financial statements (last 3 years)
  • Clear business plan with ROI projections
  • 20-30% equity contribution
  • No payment defaults in last 24 months

Documents Required

Comprehensive checklist for faster processing

For Real Estate Projects

  1. Project Documents: Detailed project report, site plan, floor plans, cost estimation
  2. Land Documents: Sale deed, chain of title, 7/12 extract, property card, encumbrance certificate
  3. Approvals: Building plan sanction, RERA registration, NOC (if required)
  4. Company Documents: MOA, AOA, Board resolution, partnership deed (if applicable)
  5. Financial Documents: ITR last 3 years, audited financials, bank statements (12 months)
  6. Builder Profile: Past projects list, completion certificates, photos/videos
  7. Promoter KYC: PAN, Aadhaar, address proof of all directors/partners

For Manufacturing Projects

  1. Project Report: Detailed manufacturing plan, capacity, machinery details, production timeline
  2. Land/Factory: Sale deed or lease agreement, facility layout plan
  3. Licenses: Factory license, pollution clearance, industry-specific licenses
  4. Company Documents: GST registration, MOA/AOA, incorporation certificate
  5. Financial Documents: ITR 3 years, audited balance sheet, bank statements 12 months
  6. Business Plan: Market analysis, customer base, revenue projections, ROI calculations
  7. Promoter KYC: PAN, Aadhaar, business experience proof

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Project Funding FAQs

Answers for builders, developers, and industrialists

Project funding (construction finance) is institutional-grade financing for large-scale real estate, infrastructure, and industrial projects. Loan amount: ₹100 Crore to ₹1000+ Crore for mega developments. Average ticket size: ₹180 Crore. Disbursement: In tranches based on construction milestones. LTV: 70-85% of land + construction cost. ADVANCECRED has funded ₹2500+ Crore across 85+ large projects in metro cities.

Interest rates: 9.49% to 13.49% p.a. based on project size and builder profile. Mega projects (₹500-1000+ Cr): 9.49-10.49% (best rates!), Large (₹200-500 Cr): 9.99-11.49%, Medium-large (₹100-200 Cr): 10.49-12.49%, Medium (₹50-100 Cr): 11.49-13.49%. Premium rates (9.49-9.99%) for: Reputed builders with ₹500Cr+ past projects, listed companies, prime location projects, 40%+ pre-sales completed.

Loan amount: ₹100 Crore to ₹1000+ Crore for large-scale developments. Average ticket size: ₹180 Crore. LTV: 70-85% of total project cost. Examples: (1) ₹200 Cr project (₹80 Cr land + ₹120 Cr construction) → ₹140-170 Cr loan at 70-85% LTV. (2) ₹500 Cr township → ₹350-425 Cr funding. (3) ₹1000 Cr mega development → ₹700-850 Cr loan. Your equity: 15-30%. We can arrange funding for projects worth thousands of crores for established institutional builders.

7-10 days for initial approval (in-principle sanction). Complete process timeline: Day 1-2: Initial consultation & document submission, Day 3-5: Site visit & property valuation, Day 6-8: Credit assessment & due diligence, Day 9-10: Sanctioned loan offer, Day 11-15: Legal documentation, Day 16-21: First tranche disbursement. Total timeline from application to first disbursement: 21-30 days for established builders with complete documentation.

For mega projects (₹100 Cr+): Yes, minimum 3-5 successfully completed projects with total value of ₹500+ Crore required. For ultra-large projects (₹500 Cr+): 10+ years track record, ₹1000+ Cr past projects completed, or listed company/institutional developer status. Track record requirements: (1) ₹100-200 Cr funding: 3 projects, ₹300+ Cr past work, (2) ₹200-500 Cr funding: 5+ projects, ₹800+ Cr past work, (3) ₹500-1000+ Cr funding: Institutional builder, ₹2000+ Cr past projects. We work with serious, established developers only for large-scale funding.

Yes, RERA registration is mandatory for all residential projects with 8+ units or 500+ sqm area (as per RERA Act 2016). For project funding approval: RERA registration must be completed or in advanced stage (applied with acknowledgement). Exceptions: Commercial-only projects, manufacturing units, industrial facilities don't need RERA but require other approvals (building plan, factory license, etc.).

Milestone-based disbursement in 4-6 tranches: Tranche 1 (20-30%): Land purchase + foundation work, Tranche 2 (20-25%): Plinth level completion, Tranche 3 (20-25%): Slab/roof completion, Tranche 4 (15-20%): Finishing work (70-80% complete), Final Tranche (10-15%): Completion certificate + OC. Site inspection before each tranche. Funds credited directly to builder's account after verification.

Yes! We provide funding for land purchase + construction as a combined loan. Typical structure: 30-40% of loan for land acquisition, 60-70% for construction. Example: Total project ₹15 Cr (₹6 Cr land + ₹9 Cr construction) → Loan ₹12 Cr at 80% LTV. Land requirements: Clear title, approved for construction, prime/developing location. Stand-alone land loans also available at 50-60% LTV for builders with strong profile.

Processing Fee: 0.25-1% of sanctioned amount (negotiable for mega projects ₹500 Cr+). Examples: (1) ₹100 Cr loan → ₹25-100 lakhs, (2) ₹200 Cr loan → ₹50 lakhs-₹2 Cr, (3) ₹500 Cr+ loan → 0.25-0.5% (₹1.25-2.5 Cr). Other Charges: Property valuation: ₹1-5 lakhs (for large projects), Legal & technical DD: ₹5-15 lakhs, CERSAI/registration: Actual costs. Mega projects (₹500 Cr+): Negotiated fee structure with institutional pricing. No hidden charges. Transparent pricing. Prepayment: Allowed after 12 months with 1-2% penalty (waived for projects ₹500 Cr+).

Primary Markets (Best Rates): Mumbai, Navi Mumbai, Thane, Bangalore, Pune, Hyderabad, Delhi NCR, Gurgaon, Noida. Secondary Markets: Chennai, Kolkata, Ahmedabad, Surat, Jaipur, Indore, Kochi, Chandigarh. Tier 2/3 Cities: Considered case-by-case for established builders. Focus areas: Metropolitan & satellite cities with high real estate demand and growth potential. We've funded projects in 25+ cities across India.

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