Services · Finance
Your estimate, bank-ready.
A PM-reviewed Technical Estimate is the document banks and NBFCs ask for before they release a construction loan. Projinn produces it in the format they recognise — and helps you structure the drawdown against milestones.
Section 01
The document banks want
- Lenders release construction loans against an independent cost figure — not a contractor's quote. A Projinn Technical Estimate is that figure, prepared by a QS and signed by a civil PM.
- It arrives in the six-section format banks across North India already recognise: executive summary, area statement, materials, labour, indirects, and rate analysis.
- Every rate is source-stamped with a validity date, so a loan officer can verify the number without calling your contractor.
Section 02
Milestone-based drawdown
- We help structure the loan release against construction milestones — foundation, structure, finishes, MEP — so funds flow as work is verified, not in one lump sum.
- Each milestone has a cost figure from your estimate, giving the bank a clear release schedule and you predictable cash flow during the build.
- If your build runs through Projinn's verified contractor network, milestone completion is independently confirmed before release.
Section 03
Estimate + escrow, together
- When you route your build through Projinn contractors, the estimate becomes the basis of an escrow-protected contract — client funds held upfront and released on verified milestones.
- This gives the bank confidence the money is used as planned, and gives you protection against payment chasing or mid-project walk-offs.
- You can use the estimate for finance independently, or pair it with the contractor network — the document works either way.
Section 04
When to start
- Before you approach a lender — a defensible cost figure strengthens your loan application and can improve the terms you're offered.
- When a bank asks for a 'cost estimate from a qualified engineer' and your contractor's quote won't qualify.
- When you want milestone-structured drawdowns instead of an upfront lump release.
What you get
Deliverables, defined
Everything a loan officer needs to approve and release your construction finance.
Bank-ready estimate
PM-signed six-section PDF in the format lenders recognise
Milestone schedule
Drawdown plan mapped to construction stages and cost
Escrow option
Pair with verified contractors for milestone-protected funds
Loan support memo
A cover note explaining the estimate for your lender
Fund with confidence
Get a bank-ready estimate for your construction loan
Submit your drawings and receive a PM-signed Technical Estimate that lenders recognise — plus an optional milestone drawdown schedule to structure your release.