# Ambit Finvest business loans

> Ambit Finvest is on Recur Club's lender panel, writing secured term loan, unsecured business loan.

Source: https://www.recurclub.com/lenders/ambit-finvest
Last updated: 2026-09-29

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

## Eligibility - AMBIT SERVICES PRIVATE LIMITED

### Will not fund

- Case is not feasible due to banking charges and penalties — multiple instances of minimum balance charges, ECS/ACH return charges, and bounced cheque/ECS charges from Dec to May .
- West Bengal is not a feasible location for Ambit.

## Eligibility - Ambit Finvest Private Limited

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · Maharashtra · positive sector: Financial Services · Private Limited, Public
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · minimum assetsundermanagement: 30 · networth ≥₹40cr · debt/networth ≤4 · DSCR ≥1
- Deal: rate 14–18% · ticket ₹0–15cr · tenure 6–36mo
- Security (observed): 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (67%) · Corporate Guarantee (67%)
- Security asked in : 1st/pari-passu charge on current assets (×1), Personal Guarantee Of Promoters/Directors (×1), Fixed Deposit <5% (×1), FD margin 5–10% (×1)
- Security asked in 2026: 1st/pari-passu charge on current assets (×3), Personal Guarantee Of Promoters / Directors / Property Owner (×2), Corporate Guarantee (×2), FD margin 5–10% (×1)

## Sanctioned terms (from 10 real sanction letters)

### Sanctioned amount: median ₹30L (₹20L–₹50L) · NEW ×2

- median ₹30L (₹20L–₹50L) · NEW ×2

### Typical security: Demand Promissory Note (continuing security) ×2, Current Assets ×2, Equipment / Plant & Machinery / Furniture ×2, receivables/book debts/operating cash flows ×1, current assets ×1, equipment/plant & machinery/furniture ×1

- Demand Promissory Note (continuing security) ×2, Current Assets ×2, Equipment / Plant & Machinery / Furniture ×2, receivables/book debts/operating cash flows ×1, current assets ×1, equipment/plant & machinery/furniture ×1

### Typical covenants: - Other standing covenants — 40% of letters (e.g. "Borrower must ensure repayments are regular and made by the due date; if any details are found incorrect, borrower must

- Other standing covenants — 40% of letters (e.g. "Borrower must ensure repayments are regular and made by the due date; if any details are found incorrect, borrower must

### Term sheet by ticket size: (facilities, largest first)

- (facilities, largest first)

## Sanctioned terms (from 8 real sanction letters)

### Sanctioned amount: median ₹30L (₹20L–₹50L) · NEW ×2

- median ₹30L (₹20L–₹50L) · NEW ×2

### Typical security: Demand Promissory Note (continuing security) ×2, Current Assets ×2, Equipment / Plant & Machinery / Furniture ×2, receivables/book debts/operating cash flows ×1, current assets ×1, equipment/plant & machinery/furniture ×1

- Demand Promissory Note (continuing security) ×2, Current Assets ×2, Equipment / Plant & Machinery / Furniture ×2, receivables/book debts/operating cash flows ×1, current assets ×1, equipment/plant & machinery/furniture ×1

### Typical covenants: - Other standing covenants — 50% of letters (e.g. "Borrower must ensure repayments are regular and made by the due date; if any details are found incorrect, borrower must

- Other standing covenants — 50% of letters (e.g. "Borrower must ensure repayments are regular and made by the due date; if any details are found incorrect, borrower must

### Term sheet by ticket size: (facilities, largest first)

- (facilities, largest first)

## Common questions

### What does Ambit Finvest lend?

Ambit Finvest writes secured term loan, unsecured business loan.

### What are Ambit Finvest'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.

### Who does Ambit Finvest not fund?

Case is not feasible due to banking charges and penalties — multiple instances of minimum balance charges, ECS/ACH return charges, and bounced cheque/ECS charges from Dec to May . Sector and structure exclusions are listed in full on this page.

### What security does Ambit Finvest ask for?

Observed across sanctions: 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (67%) · Corporate Guarantee (67%).

### How do I apply to Ambit Finvest?

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

---

Check which lenders fund a business like yours: https://www.recurclub.com/recur-market
All lenders: https://www.recurclub.com/lenders

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 Ambit Finvest's current policy.