# Adinath Exim business loans

> Adinath Exim is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/adinath-exim
Last updated: 2026-10-20

Also offered, with no terms observed yet: Secured Term Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: age ≥2y · revenue from related parties: 10 · avoid: Real Estate (non asset Light), Real Estate (asset Light), Lottery Business, Financial Services · pan-India · Private Limited, Public, Sole proprietorship, Limited Liability Partner · sector-agnostic (47 sectors — full list in data JSON)
- Financials: minimum annualrevenuegrowthrate: 10 · debt/EBITDA ≤6 · DSCR ≥1.3
- Deal: rate 15–20% · ticket ₹1–4cr · tenure 12–36mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (50%) · FD margin 5–10% (50%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×2), FD margin 10–15% (×1), FD margin 5–10% (×1)

## Common questions

### What does Adinath Exim lend?

Adinath Exim writes secured term loan.

### What security does Adinath Exim ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (50%) · FD margin 5–10% (50%).

### How do I apply to Adinath Exim?

You do not apply to Adinath Exim directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Adinath Exim's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.

### Is Adinath Exim 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 Adinath Exim 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 Adinath Exim's current policy.