Installing a commercial, industrial, or utility-scale solar plant does not require tying up 100% of your operating working capital. Because solar power plants produce predictable, inflation-proof monthly electricity savings over 25 years, leading financial institutions structure dedicated loans where project debt service is comfortably covered by solar energy savings. Chirayu Power facilitates bankable technical DPRs and loan syndication with leading lenders including Solfin, SBI (Suryashakti scheme), SIDBI, and Siemens Financial Services.

Term loans and equipment financing for factory rooftops.
Lenders finance up to 80% of project cost under commercial equipment loans or term debt. Monthly EMI repayments are offset directly by electricity bill savings, creating net positive cash flow from Year 1.
MSMEs, factories, cold storages, hospitals, and educational campuses.
Borrow against plant equipment hypothecation and cash savings
Structured repayment periods aligned with payback milestones
Monthly electricity bill reduction comfortably exceeds monthly EMI
Securing competitive debt financing requires satisfying rigorous technical due diligence benchmarks.
DSCR Integrity (1.20+)
Lenders require certified generation models demonstrating minimum Debt Service Coverage Ratios (DSCR) above 1.20 to 1.30.
Certified Technical Feasibility
Comprehensive Detailed Project Reports (DPR) backed by PVSyst yield simulations and Tier-1 component guarantees.
Section 32 Tax Shield
Commercial owners can claim accelerated tax depreciation on solar assets, recovering up to 40% in tax shields in Year 1.
| Financing Structure | Typical Debt Share | Repayment Tenure | Collateral Requirement | Best Suited For |
|---|---|---|---|---|
| SIDBI MSME Solar Loan | Up to 80% - 85% | 5 - 7 Years | Solar asset hypothecation + CGTMSE | MSME factories and registered units |
| Commercial Bank Term Loan | 70% - 75% | 5 - 7 Years | Plant equipment + factory mortgage | Large C&I rooftop installations |
| Structured SPV Debt | 70% - 75% | 10 - 15 Years | PPA escrow account & off-taker guarantee | Multi-MW Open Access & KUSUM parks |
| RESCO / OPEX Model | 0% Debt (Developer Capex) | 10 - 25 Years PPA | No collateral (pay per unit consumed) | Consumers preserving balance sheet cash |
