# 121 Finance business loans

> 121 Finance is on Recur Club's lender panel, writing domestic factoring.

Source: https://www.recurclub.com/lenders/121-finance
Last updated: 2026-10-20

Also offered, with no terms observed yet: Domestic Factoring.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Security (observed): Escrow Of Cashflows (100%)
- Security asked in : Escrow Of Cashflows (×1)

## Common questions

### 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.

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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.