Cross the finish line on time.

Last-Mile Financing

Bridge funding for the final phase of projects — to complete construction, fund pending vendor payments or close out commitments before a takeover loan is drawn.

Overview

Why Last-Mile Financing?

Bridge funding for the final phase of projects — to complete construction, fund pending vendor payments or close out commitments before a takeover loan is drawn.

  • Milestone-linked drawdown
  • Exit clarity
  • Fast turnaround
  • Senior credit oversight

Start your application

Takes ~5 minutes. A relationship manager will respond within 1 business day.

Min ₹100 L (₹1 Cr) · Max ₹1,000 L (₹10 Cr)

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Product specs

Key terms at a glance

Ticket size
₹2 Cr – ₹10 Cr
Tenor
12 – 36 months
Interest rate
15% – 18% p.a.
Exit
Refinance / takeover / project sales
Drawdown
Milestone-linked tranches
Collateral
Project assets + supporting property
Features & benefits

Built for growth businesses

Milestone-linked drawdown

Tranches released against verified completion milestones — no idle interest.

Exit clarity

Sanction structured around a clear takeover or sales-driven exit.

Fast turnaround

Sanction in 7 days for files with clean title and a credible completion plan.

Senior credit oversight

Project monitoring with site visits and quarterly progress reviews.

Documents required

What we'll need from you

  • Project completion certificate / architect report
  • Approvals from local authority and remaining sanctions
  • Cash-flow waterfall to exit
  • Last 3 years audited financials and provisional FY
  • Last 12 months banking statements (all operating accounts)
  • Last 3 years ITRs of entity, partners and directors
  • GST returns for the trailing 12 months
  • KYC of entity, promoters, directors and partners
  • Constitution documents (MOA/AOA / Partnership deed / Trust deed)
  • Collateral documents — title deed, valuation report, chain of ownership
  • Existing loan sanction letters and repayment track record

Don't have everything ready? Start the application — your RM will guide collection.

Loan process

From application to drawdown in 7 days

  1. 01
    Apply online

    Share business basics and KYC in under 5 minutes.

  2. 02
    Credit review

    Our team evaluates business, collateral and structure within 48 hours.

  3. 03
    Sanction & e-sign

    Receive a digital sanction letter and complete documentation online.

  4. 04
    Disbursement

    Funds in your account in as fast as 7 days from sanction.

  5. 05
    Servicing

    Track EMIs, statements and renewals from a single workspace.

EMI calculator

Plan your monthly outflow

₹5,00,00,000
₹1,00,00,000₹10,00,00,000
16.00%
10.00%22.00%
24 months
6 months84 months
Monthly EMI₹24,48,156
Total interest₹87,55,733
Total payable₹5,87,55,733

Indicative only. Actual rate, processing fee and structure are confirmed in the sanction letter.

FAQ

Last-Mile Financing — your questions

Real estate (residential and commercial), industrial parks, manufacturing greenfield, and select infrastructure.

More questions? Read all FAQs or request a callback.