Real Estate Project Funding

We don’t just lend; we appraise with precision. Our process adheres to strict Financial Closure standards:

• DCCO Compliance: We assist in managing the Date of Commencement of Commercial Operations to ensure asset classification remains ‘Standard.’
• RERA Alignment: All funding is disbursed in strict accordance with RERA guidelines, ensuring funds are utilized for project-specific construction costs.
• Escrow Management: We implement robust cash-flow monitoring through designated Escrow accounts to protect the interests of all clients.

• End-to-end funding facilitation across Banks & NBFCs
• Assistance in project structuring and lender alignment
• Coordination of legal, technical, and valuation due diligence
• Transparent communication and compliance-focused execution

Finbux Growth acts solely as a financial facilitator, enabling developers to access suitable funding options while maintaining full regulatory adherence.

To facilitate a swift Techno-Economic Viability (TEV) report and credit appraisal, the following documents are required:

1. Corporate & Promoter Credentials

• Entity Documents: MOA/AOA, Partnership Deed, and Board Resolution for borrowing.
• Promoter Profiles: Detailed KYC, Land Bank, Net Worth Statements (certified by CA), and track record of successfully completed projects.

2. Statutory & Legal Approvals

• Title Search Report: Legal vetting of land ownership for a minimum of 30 years.
• Approved Building Plans: Sanctioned floor plans and maps from the local municipal authority.
• RERA Registration: Valid RERA certificate and project registration details.
• NOCs: Fire Department, Environmental Clearance, AAI (if applicable), and Utility providers.

3. Technical & Project Data

• Detailed Project Report (DPR): Cost estimates, construction timelines, and marketing projections.
• Architect’s Certificate: Current stage of construction and estimated cost-to-complete.
• Cash Flow Projections: Month-wise inflow (sales) and outflow (construction/interest) forecasts.

4. Financial Statements

• Audited Financials: Last 3 fiscal years (Balance Sheet, P&L, Audit Reports).
• CMA Data: Credit Monitoring Arrangement data for the proposed loan tenure.
• Bank Statements: Last 12 months’ statements of all primary operating accounts.

Loan sanction, disbursement, interest rate, tenure, security structure, and covenants are subject to Bank/NBFC credit approval, regulatory guidelines, and satisfactory due diligence. Finbux Growth does not guarantee loan approval or terms.