School Finance
At Profectus Capital, we recognize the vital role K-12 schools play in shaping the future of India. As Principals and Trustees, you’re tasked not only with providing academic excellence but also ensuring your school remains competitive and meets the evolving expectations of students and parents. Today, quality education requires more than skilled teachers and a strong curriculum—it demands robust infrastructure, modern educational technology, and spaces that foster holistic learning including sports and extracurricular activities.
To stay ahead, schools are expanding capacity by adding more classrooms, additional floors, and new wings. Modernizing your infrastructure not only attracts more students but also helps schools command higher fees and improve retention.
Additionally, schools can also take environmentally friendly initiatives, such as installing solar panels. These investments not only reduce operational costs but also enhance your school’s sustainability and financial health.
Profectus Capital’s flexible financing solutions are tailored to help you achieve these goals—whether it’s expanding facilities, upgrading classrooms, or adopting green energy solutions. We believe investing in education is investing in the future, and we’re here to support your journey every step of the way.
To stay ahead, schools are expanding capacity by adding more classrooms, additional floors, and new wings. Modernizing your infrastructure not only attracts more students but also helps schools command higher fees and improve retention.
Additionally, schools can also take environmentally friendly initiatives, such as installing solar panels. These investments not only reduce operational costs but also enhance your school’s sustainability and financial health.
Profectus Capital’s flexible financing solutions are tailored to help you achieve these goals—whether it’s expanding facilities, upgrading classrooms, or adopting green energy solutions. We believe investing in education is investing in the future, and we’re here to support your journey every step of the way.
Key Features
Hassle-Free Login
Process
Finance both new and used machinery (Used Machines applicaProfectus Capital offers a fully digital login process, ensuring a seamless and hassle-free application experience.ble only for Printing and Healthcare sectors).
Extensive Credit Lines &
Customisable Loan Terms
Loans ranging from ₹25 lakh to ₹5 crore, with flexible repayment tenures between 2 to 7 years, tailored to meet your school’s financial requirements.
Quick Approvals & Seamless
Eligibility
Approval decisions within 3 to 7 working days. Loan eligibility is evaluated based on the Actual Cash Flow Assessment Programme, ensuring a fair and accurate evaluation.
Flexible Collateral Policy
Our flexible collateral policy allows schools to secure loans using various assets, including school or college buildings, as well as residential or commercial properties owned by Trustees or Society Members.
Focus on Non-Metro & Rural Areas
In addition to metro and large cities, we provide financial support to schools and colleges in non-metro and rural areas.
High Loan-to-Value (LTV) Ratio
High Loan-to-Value (LTV) ratio of up to 80% based on the market value of the property, enabling you to secure a larger loan amount.
Tailor Made Programs for
Profectus Capital provides customised loan solutions for a variety of educational institutions, including:
- K-12 Schools
- Nursing Colleges
- Pharmacy Colleges
- B.Ed. Colleges
Eligibility Criteria
Which educational institutions can get a school loan
- Minimum Operational Period: The Society or Trust must have been in operation for at least 3 years.
- Student Strength: The school/college should have a minimum student strength of 300.
- Loan Eligibility: The loan amount eligibility is determined based on the Actual Receipts of the institution, ensuring the loan is aligned with the institution’s financial capability.
- Co-Applicants: The loan must be backed by at least 2 Individual Co-Applicants, typically trustees or members of the Society/Trust, along with the applicant society/trust.
Required Documentation
Documents Required to Qualify for School Finance
- KYC Documents: Of both Applicant and Co-Applicant.
- Society/Trust Registration Documents: Copy of Registration and Byelaws.
- Fee & Strength Details: Records of last 3 years showing the fee structure and student strength of the school/college.
- Recognition Certificates: Copies of recognition documents for the school/college.
- Bank Statement: Latest 1-year bank statement of the Society/Trust.
- Income Tax Returns (ITR): Latest 3 years ITR for the Society/Trust.
- Udyam & Darpan Registration: Copies of Udyam and Darpan registration certificates of the Society/Trust.
- Property Documents: Complete set of property documents related to the sch
- Loan Repayment Records: Repayment history, if applicable.
FAQs
How can I apply for this loan with Profectus Capital?
You can easily start the application process by filling out the form on our website. Alternatively, our customer support team is available to assist you through the process. Our executive will reach out to you within 24 hours of your online application for further processing.
What is the loan application process?
The entire loan application process is paperless and completely digital. Our business team provides doorstep assistance to guide you throughout the process.
Is there an age limit to get a loan?
Yes, the minimum age required is 21 years, and the maximum age is 65 years at the end of the loan tenure.
For what purposes can I use the loan?
Loans can be used for:
- Construction or expansion of school/college buildings
- Infrastructure and technology development
- Purchase of land/buildings
- Acquisition of existing schools/colleges
- Debt consolidation of the society/trust
How do I repay the loan?
Repayments are made through Equal Monthly Installments (EMIs), which will be automatically debited from your bank account via ACH (Automated Clearing House).
Can I pre-close my loan?
Yes, you can pre-close the loan by paying the pre-closure charges. Additionally, you can make part-payments of up to 25% of the principal annually, with the applicable part-payment charges. Part-payments can be made twice within a financial year.
Is Balance Transfer available?
Yes, the Balance Transfer facility is available, with an option for an additional loan amount if required.
Is the interest rate fixed or floating?
The interest rate is floating and diminishing in nature, which means the rate will vary based on market conditions, and the loan amount decreases over time.
