Building homes, offices or a new township? Or rebuilding an old property? We help you find funding for every stage of your project. We review your plan, prepare your proposal and talk to lenders for you. The lender gives the final approval.
PROJECT TYPES
Homes, offices, mixed use
Also redevelopment and township projects.
WHO WE HELP
Builders and developers
Also LLPs, companies and investors.
WHERE
Mumbai and the MMR
Our office is in Kandivali West.
STAGES
Land to last mile
Funding for each step of your project.
OVERVIEW
Mumbai projects are big, and they need money at every stage. Project funding is a loan for developers and builders. It pays for land, construction, approvals and other project costs.
We help with new homes, offices, shops, mixed-use projects, townships and redevelopment. Redevelopment means rebuilding old buildings into new ones. It is a big part of Mumbai’s real estate, and it needs careful funding plans.
Before we talk to any lender, we study your project report, your costs and your cash flow. Then we prepare a clear proposal. We stay with you until the money is released. The lender gives the final approval.
Project funding can help you
OUR MUMBAI OFFICE
Our Mumbai office
OUR MUMBAI OFFICE
OUR MUMBAI PARTNERS
Visit our office or call us. We will tell you which lenders may be a good fit for your project.
BENEFITS
The right partner can save you time and delays.
We study your project and suggest the type of funding that suits its size and stage.
We talk to banks, NBFCs and housing finance companies, and approach the ones that suit your profile.
We check your papers, help prepare your proposal and keep in touch with the lenders until funds arrive.
Send them to us. We will help them get ready and find lenders.
ELIGIBILITY
Lenders check your project, your papers and your finances. We help you prepare before you apply.
What do lenders look for?
Lenders want to see a project that works and a developer who can repay.
You are building homes for sale or rent. Lenders look at your plan, your approvals and your finances. Each lender has its own rules. We find the one that fits.
Approvals
Approved plans and RERA registration
Land papers
Sale deed, title papers and records
Plan
Project report, costs and timeline
Finances
Audited accounts and bank statements
You are building offices, shops or a mixed-use project. Lenders look at the same things, and may also look at future rent. Each lender has its own rules. We find the one that fits.
Approvals
Approved plans and other permissions
Land papers
Sale deed, title papers and records
Plan
Project report, costs and timeline
Rent plans
Expected rent, if you want to borrow against it
You are rebuilding an old property or building a large township. These projects are bigger and more complex. Each lender has its own rules. We find the one that fits.
Approvals
All permissions for the project
Ownership or rights
Proof of development rights
Plan
A full project report and work schedule
Experience
Your record on similar projects
Work out your EMI and get the exact list of papers lenders ask for.
For planning only. Your lender confirms the final EMI.
RATES, FEES AND CHARGES
Costs change from project to project. We explain every charge before you decide.
Item
Typical
Notes
Interest rate
Set by the lender
Depends on your project, your finances and your record
Processing fee
Set by the lender
We tell you the exact fee upfront
Release of funds
In steps
Money can be paid as your project moves ahead
Repayment plan
Based on the project
Planned around costs and cash flow
Paying off early
Set by the lender
Ask about any fee before you sign
BEFORE YOU APPLY
Strong preparation helps lenders say yes faster.
Talk to us before money runs short.
Choose funding that fits your project stage.
Show what you need to spend and when.
Keep your registrations and permissions up to date.
Share your work schedule
Lenders like a clear timeline and contractor details.
Share all your existing loans upfront.
RELATED LOANS
Looking for something else? See these options.
How we work
At every step you know what is happening, who is handling it and what you get at the end of it.
01
We review your income, credit history, property and existing loans, and tell you honestly what is possible.
who
You + your advisor
You get
A clear view of what is possible
02
We shortlist the banks and NBFCs whose policies fit your profile, so you apply where approval is likely.
who
You + your advisor
You get
A clear view of what is possible
03
We give you one checklist, collect the papers and check them before the lender sees your file.
who
You + your advisor
You get
A clear view of what is possible
04
We present your case to the chosen lender and handle their questions on your behalf.
who
You + your advisor
You get
A clear view of what is possible
05
We compare the sanction terms and negotiate rate, fees and conditions where possible.
who
You + your advisor
You get
A clear view of what is possible
We follow up on legal, valuation and agreement steps until the money reaches you.
who
You + your advisor
You get
A clear view of what is possible
CASE STUDY
From a client’s own words on our website.
WORKING CAPITAL ENHANCEMENT
A Mumbai-based engineering components manufacturer with ₹60 Cr turnover and 12 years in business. Its existing ₹4 Cr cash credit limit no longer matches its order book.
Our approach: assess the working capital need from audited financials, the stock and debtor cycle, and the order pipeline. Then propose increasing the limit to ₹8 Cr, backed by stock and book debts, with the factory land and building as additional security.
Client
Engineering manufacturer, Mumbai
Turnover
₹60 Cr
Structure
Cash credit enhancement (₹4 Cr → ₹8 Cr)
Security
Factory land & building, valued ~₹12 Cr
To secure Real Estate Project Funding in Mumbai, you’ll need a feasible project plan, clear land ownership or development rights, financial statements, and the required regulatory approvals. Nihal Fintech helps developers prepare a strong funding proposal and connects them with suitable banks and NBFCs to improve approval chances.
Yes. Funding is available for residential developments, commercial projects, redevelopment projects, mixed-use developments, and township projects across Mumbai and the MMR. The amount and financing structure depend on factors such as project feasibility, approvals, developer experience, and repayment capacity.
Real estate developers can obtain funding through public sector banks, private banks, NBFCs, housing finance companies, and other financial institutions. Nihal Fintech evaluates your project requirements and helps identify the most suitable lender based on your project’s size, stage, and funding needs.
Yes. If your project is under construction or requires additional capital for completion, you may be eligible for construction finance or last mile funding. Lenders will review your project’s progress, financial position, cash flow projections, and remaining funding requirements before making a lending decision.
The approval timeline varies depending on the project size, documentation, lender requirements, and statutory approvals. A well-prepared project report and complete documentation can significantly reduce processing time. Nihal Fintech assists throughout the process to help minimise delays and ensure a smoother funding experience.
Share a few details and an advisor will call you to check feasibility. Or call us on +91 77009 44833.
