PROJECT LOAN

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What is Project Loan ?

Project finance loan is the long-term financing of infrastructure and industrial projects based upon the projected cash flows of the project rather than the balance sheets of its sponsors. Usually, a project financing structure involves a number of equity investors, known as 'sponsors', and a 'syndicate' of banks or other lending institutions that provide loans to the operation

Types of Project Loan

Most project finance loans are secured loans where the project secures the loan in the event of a default, and creditors cannot make additional .

Term of Project Loan

Project finance is the long-term financing of infrastructure and industrial projects based upon the projected cash flows of the project rather than the balance sheets of its sponsors.

Permanent of Project Loan

A permanent loan is any real estate loan with an unusually long term. ... and completing a construction project with just one loan.

Documents Required for Project Loan:

Passport
Voter ID
NREGA job card
Aadhar Card
PAN Card/Form 60
Company Profile
Management Profile
Last Three Years’ Audited Financial Statements
Certificate of Incorporation of the Company
Copies of MOA & AOA
Copy of Business Bank Statement
Detail of Existing Loans from Other Banks
Project Feasibility Report
Project Cash Flow Report
Agreements Related to Project
Pay-Back Plan and Income Sources
Detail of Assets available for Collateral

Benefits of Project Loan

Following are the benefits which you can get when you apply for Project loan

Financing infrastructure projects through the project finance route offers various benefits such as the opportunity for risk sharing, extending the debt capacity, the release of free cash flows, and maintaining a competitive advantage in a competitive market.
Project finance also permits the sponsors to share the project risks with other stakeholders. The basic structure of project finance demands that the sponsors spread the risks through a network of security arrangements, contractual agreements, and other supplemental credit support to other financially capable parties willing to assume the risks. This helps in reducing the risk exposure of the project company.

The project finance route empowers the providers of funds to decide how to manage the free cash flow that is left over after paying the operational and maintenance expenses and other statutory payments. In traditional corporate forms of organization, corporate management decides on how to use the free cash flow — whether to invest in new projects or to pay dividends to the shareholders.
Financing projects through the project finance route may enable the sponsors to maintain the confidentiality of valuable information about the project and maintain a competitive advantage.

Frequently Asked Questions

Frequently Asked Question Project Loan

What is Project Finance?
Project finance is different to any other financing structure, all of which are predicated on assets/collateral, balance sheet and/or forecasts in a business plan or prospectus. Project finance is, uniquely, predicated on the financial stability and track record of the party contracted to buy the output from the built project and the counterparties involved in its planning, development and construction. In short, this amounts to lending against revenues from a yet-to-be-built asset, something which mainstream banking regulations prohibit.
In which countries can PFX investors operate?
Any country not sanctioned by the UN.
What are our liabilities once funded?
You should be left free and clear of any financial liabilities whatsoever. Your financing will usually be structured through a Special Purpose Vehicle (SPV). If you have already set up your SPV your investor may be quite happy to use it, others may prefer to set up another one in another jurisdiction. In either event, the financing is provided and underwritten against the track record and financial stability of whoever is contracted to buy the output from your project with the same criteria applying to your contractors, designers and all other counterparties involved in the project. All structured through the SPV, which will include comprehensive insurance wraps. Consequently, project finance leaves you and your counterparties free and clear of any financial liability whatsoever.
Can PFX Investors fund Public Private Partnership Projects?
Yes
What are our liabilities once funded?
You should be left free and clear of any financial liabilities whatsoever. Your financing will usually be structured through a Special Purpose Vehicle (SPV). If you have already set up your SPV your investor may be quite happy to use it, others may prefer to set up another one in another jurisdiction. In either event, the financing is provided and underwritten against the track record and financial stability of whoever is contracted to buy the output from your project with the same criteria applying to your contractors, designers and all other counterparties involved in the project. All structured through the SPV, which will include comprehensive insurance wraps. Consequently, project finance leaves you and your counterparties free and clear of any financial liability whatsoever.