What are ADM Capital'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.

How do I apply to ADM Capital?

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

Is ADM Capital 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 ADM Capital screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.

Lender profile

ADM Capital business loans

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Products live

— The screen your file has to clear

The screen your file has to clear

What is checked before anything else, and applies to every product below.

Behaviour & gates

Borrower: CIBIL ≥650
Financials: TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
debt/networth ≤4
DSCR ≥1
Deal: rate 16–18%

2 more ▾

ticket ₹70–1000cr
tenure 12–84mo

— Common questions

What borrowers ask about ADM Capital

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

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See whether ADM Capital is the right lender for you

A few questions. Recur Market scores you against ADM Capital and the rest of the panel, on each lender's own recorded criteria.

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Last updated 20 October 2026

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 ADM Capital's current policy. Terms are set by the lender at the time of sanction.