Project finance for greenfield food processing units, cold chain infrastructure, and agri-value-chain businesses. PLI scheme alignment, NABARD refinance, state subsidy integration.
BIG LOANS arranges ₹100 crore-and-above debt for Indian agri and food processing — across greenfield food processing (dairy, edible oil, sugar, integrated food parks), cold chain (warehousing, last-mile cold logistics), agri-value-chain (FPOs, large agri-aggregators, agri-tech), and the broader agri-processing belt. Common structures: project finance for capex above ₹250 Cr, often with PLI / state subsidy layering and NABARD refinance; working capital for processors with seasonal raw material accumulation; and term loans for cold chain and infrastructure.
Agri & food processing benefits from extensive government support — PLI for food processing, NABARD refinance, state agricultural incentives, capital subsidies under PMKSY (Pradhan Mantri Kisan Sampada Yojana). Lenders factor confirmed subsidy receipts into project DSCR, which can be significant (15-25% of project cost).
The sector has unique seasonal cash-flow patterns — sugar mills accumulate raw material in 4-5 month seasons, edible oil businesses follow harvest cycles, dairy has milk season variation. Working capital structuring accommodates these patterns with seasonal limits and packing-credit-style products.
Common funding situations across agri & food processing.
New dairy, edible oil, sugar, or integrated food processing plant. Project finance ₹250-1,000 Cr with PLI / state subsidies factored.
Cold storage warehouses, multi-temperature facilities, last-mile cold logistics. PMKSY subsidies available.
Sugar mill capacity expansion, cogeneration plant, ethanol distillation. State-specific subsidies in UP, Maharashtra, Karnataka.
Greenfield or capacity-addition for edible oil. Import-heavy raw material cycle requires specific working-capital structures.
Seasonal working capital for processors with 4-5 month raw material accumulation seasons. Multi-banking ₹100-400 Cr.
Working capital and growth capital for agri-aggregators, FPOs, and agri-tech companies.
Agri-processing has broad product fit, with subsidy and refinance layering.
Agri and food processing has broad lender appetite, particularly from PSU banks with deep agri-sector relationships.
SBI, BOB, Indian Bank, Canara, Union — strong agri-sector mandates and decades-deep relationships.
NABARD provides refinance to banks for eligible agri-sector lending — improves bank appetite and pricing.
HDFC, ICICI, Axis — selective; active for larger / branded food processing companies.
Specialist agri-finance NBFCs plus diversified players (Bajaj, Aditya Birla, Tata Capital).
IFC, NABARD's KCC scheme, sometimes ADB for large food security-aligned infrastructure.
Same 5-stage process for any large-ticket corporate debt mandate, applied to agri & food processing specifics.
NDA, then a short call to understand the business model, key financial drivers, capital need. Sector-specific risk factors mapped early.
Optimal facility mix, tenor, security. Lender shortlist tuned to sector appetite — banks for vanilla, NBFCs / AIFs for specialty structures.
Sector-grade Information Memorandum, financial model, market analysis. Pitched to shortlisted lenders in parallel.
Multiple sanctions negotiated in parallel on pricing, covenants, security. Final lender(s) selected.
Loan agreement, security creation, CPs satisfied, drawdown. Sector-specific compliances (RERA, FEMA, SEBI, etc.) handled along the way.
Share a one-page brief on your business and funding need. We respond within one working day with feasibility, structuring and lender shortlist tuned to your sector.