AES
Automation & Export Scheme
For SMEs making capital investments in automation, capacity expansion, or export-driven growth — where the investment improves productivity or market reach.
What it is
The AES family of schemes supports SMEs that are scaling up: investing in automated machinery, expanding production capacity, or pushing into export markets. The structure is typically a term loan with preferential features, backed by a guarantee that reduces the bank’s exposure.
The logic is policy-driven. A manufacturer that automates becomes more productive. An SME that exports brings foreign revenue. Both outcomes justify preferential financing terms, so the scheme exists to unlock that capex.
Exact features — tenure, interest rate, covenant structure, eligible capex categories — vary by the scheme version in force at the time of application.
Who it’s generally for
- • Manufacturers investing in machinery or production automation
- • SMEs expanding capacity to meet confirmed demand
- • Exporters scaling up with clear foreign sales visibility
- • Businesses with a concrete capex plan tied to measurable productivity or revenue uplift
Actual eligibility depends on scheme-specific criteria that change over time. Confirm with us before assuming any case qualifies.
How it fits your loan
AES rewards capex that pays back through productivity or export revenue. The bank wants to see the business case — not just the invoice. We help you frame the ROI story alongside the financial projections, so the submission looks like what credit wants to approve: a clear, evidence-backed case, not a wishful capex request.
How Axion helps with AES.
We assess whether your case is genuinely a fit before you spend energy on a submission. If it is, we position your file and route it to a bank that actively books this scheme — not a branch that handles it once a year.
Reality check
Not every SME needs a scheme-backed facility. For some cases a vanilla commercial loan approves faster with cleaner terms. We’ll tell you honestly which path is smarter for your situation.