# Almavest business loans

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

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

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: age ≥2y · CIBIL ≥650 · avoid: Agriculture and Allied Industries, Auto Components, Automobiles, Aviation, Banking, Biotechnology, Cement, Chemicals, Consumer Durables, Defence Manufacturing, E-Commerce, Education and Training, Electric Vehicle, Electronics System Design & Manufacturing, Engineering and Capital Goods, Engineering, Procurement, and Construction (EPC), Explosives, Arms and Ammunitions, FMCG, Food Processing, Gambling and Betting, Gems and Jewellery, Healthcare, Infrastructure, Lottery Business, Manufacturing, Media and Entertainment, Medical Devices, Metals and Mining, Mining Companies, Mining Equipment, Mining Tech, Oil and Gas, Others, Paper & Packaging, Pharmaceuticals, Ports, Power, Railways, Real Estate (asset Light), Real Estate (non asset Light), Renewable Energy, Retail (Consumer Goods), Roads, SaaS, Science and Technology, Services, Services for Mining Industry, Steel, Tech Services, Telecommunications, Textiles, Tobacco Products, Tourism and Hospitality, Trading · pan-India · Private Limited, Public · positive sector: Financial Services, Insurance
- Financials: EBITDA ≥₹-20cr · TOL/adjusted tangible net worth ≤5 · minimum assetsundermanagement: 500 · debt/EBITDA ≤4 · DSCR ≥1 · debt/networth ≤4
- Deal: ticket ₹40–250cr · tenure 0–84mo
- Security (observed): 1st charge on P&M (100%) · 1st/pari-passu charge on current assets (100%) · Corporate Guarantee (100%)
- Security asked in : 1st charge on P&M (×1), 1st/pari-passu charge on current assets (×1), Corporate Guarantee (×1)

## Common questions

### What does Almavest lend?

Almavest writes secured term loan.

### What are Almavest'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 Almavest ask for?

Observed across sanctions: 1st charge on P&M (100%) · 1st/pari-passu charge on current assets (100%) · Corporate Guarantee (100%).

### How do I apply to Almavest?

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

### Is Almavest 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 Almavest 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 Almavest's current policy.