121 Finance business loans
121 Finance is on Recur Club's lender panel, writing domestic factoring.
- ✓We check your fit against every lender on the panel, not just this one
The screen your file has to clear
What is checked before anything else, and applies to every product below.
- Borrower: CIBIL ≥650
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Security (observed): Escrow Of Cashflows (100%)
1 more ▾ ▴
- Security asked in : Escrow Of Cashflows (×1)
What 121 Finance lends, and on what terms
What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.
| Product | Ticket | Pricing | Tenure |
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Also offered, with no terms observed yet: Domestic Factoring.
What borrowers ask about 121 Finance
- What does 121 Finance lend?
- 121 Finance writes domestic factoring.
- What are 121 Finance's eligibility criteria?
- The first screen is the bureau: a borrower CIBIL of at least 650. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page.
- What security does 121 Finance ask for?
- Observed across sanctions: Escrow Of Cashflows (100%).
- How do I apply to 121 Finance?
- You do not apply to 121 Finance directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against 121 Finance's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is 121 Finance the right lender for my business?
- It depends on which product you need, your sector and how your last two years of financials read. The credit box on this page is what 121 Finance screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.
Next steps after 121 Finance
Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.
Search the panel by name, product or ticket size, and compare credit boxes side by side.
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The underwriting platform these credit boxes come from. Built for lenders and credit teams.
Founder stories from the companies building in India, from the team behind Recur Club.
See whether 121 Finance is the right lender for you
A few questions. Recur Market scores you against 121 Finance and the rest of the panel, on each lender's own recorded criteria.
Check my matchLast updated
Lender intelligence dossier - screening gates, per-product terms and sanction observations, derived from lender policy documents and observed transactions. Figures are observed from a sample and are not an offer, a commitment, or a statement of 121 Finance's current policy. Terms are set by the lender at the time of sanction.