Charging infrastructure has a plausible debt story: physical assets, contracted sites, recurring usage. What kills most financing conversations is not the story but the records — operators arrive with a projection and no way to evidence the last twelve months.
The four questions
- 01What does an installed charger earn, monthly, at the sites you already run? Not the model. The actual distribution, including the bad ones.
- 02How secure is the site? A revenue share on a one-year renewable arrangement is worth much less as security than a long lease, and lenders price that difference.
- 03What is the asset worth if the business stops? Chargers are removable, but the resale market in India is thin, so recovery values are conservative.
- 04Who collects the money, and can they stop? If the payment gateway or platform sits between you and the cash, the lender wants to understand that dependency.
The records that answer them
Nothing exotic. Twelve months of session-level data, exportable, with energy, revenue and site. From that, per-site monthly revenue, utilisation and the trend fall out directly. Operators who keep this cannot be talked down on valuation; operators who do not are negotiating from assertion.
| Provide | What it demonstrates |
|---|---|
| Per-site monthly revenue, 12 months | The distribution, not the average |
| Utilisation by site and hour | Whether growth needs capital or pricing |
| Uptime by site | Whether the assets are being maintained |
| Settlement statements to hosts | That the revenue share is real and current |
| Failed session rate | Operational quality, which lenders read as management quality |
Structures that come up
Equipment finance against the chargers themselves is the most common and the least flexible. Working capital against receivables works where you have contracted fleet customers rather than walk-up drivers. Some state schemes and priority-sector routes apply to charging infrastructure, and the terms are materially better than commercial rates where you qualify — worth checking before approaching a bank on ordinary terms.
Before the conversation
Get the site agreements into one place with their expiry dates, get twelve months of clean session data exportable, and know your worst site as well as your best. The lender will find it either way, and finding it yourself first is the difference between a discussion and a discovery.