What ticket size does Artfine Consultancy offer?

Facilities observed on live transactions run from ₹2 cr to ₹2 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

What rate does Artfine Consultancy charge?

Rates observed on live transactions fall between 17% and 17% a year. Tenures run 12 to 12 months. These are observed figures, not a quote, and the rate you are offered depends on your file.

How long does Artfine Consultancy take to disburse?

About 49 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.

What are Artfine Consultancy'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.

Lender profile

Artfine Consultancy business loans

Artfine Consultancy is on Recur Club's lender panel, writing domestic factoring, sales invoice discounting, secured term loan. Observed tickets run ₹2 cr to ₹2 cr, priced between 17% and 17%. Median turnaround from application to disbursal is about 49 days.

✓Tickets from ₹2 Cr – ₹2 Cr across 3 products
✓Indicative pricing 17% – 17%, as quoted on live transactions
✓We check your fit against every lender on the panel, not just this one

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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
age ≥2y
avoid
Real Estate (asset Light)Real Estate (non asset Light)Gems and JewelleryExplosivesArms and AmmunitionsInfrastructureGambling and BettingLottery BusinessRailwaysRoads
Financials: EBITDA ≥₹-100cr
runway ≥6mo
rev ≥₹5cr

14 more ▾

TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
DSCR ≥1
debt/networth ≤4
Deal: rate 14.5–18%
ticket ₹1–50cr
tenure 12–12mo
Security (observed): Escrow Of Cashflows (100%)
Personal Guarantee Of Promoters / Directors / Property Owner (76%)
Security asked in : Personal Guarantee Of Promoters/Directors (×3), Escrow Of Cashflows (×3), FD margin 5–10% (×2), FD margin 10–15% (×2)
Security asked in 2026: Escrow Of Cashflows (×17), Personal Guarantee Of Promoters / Directors / Property Owner (×13), FD margin 10–15% (×2), FD margin 15–20% (×1)
share → in-principle approval (initial interest): ≈12d
in-principle approval → sanction (underwriting): ≈21d
sanction → disburse (closing): ≈6d

— Products & indicative terms

What Artfine Consultancy lends, and on what terms

What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.

Product	Ticket	Pricing	Tenure
Domestic Factoring▾▴ Turnaround ~49d Rejects Negative sectors Real Estate (asset Light)Real Estate (non asset Light)Gems and JewelleryExplosivesArms and AmmunitionsInfrastructureGambling and BettingLottery BusinessRailwaysRoads Wins Director overdue: 0.001 INR Cr Director CIBIL: 650 Min company age (yr): 2 Years Min EBITDA (₹cr): -100 → funded cohort ≈0.8 11 more ▾ ▴ Min Runway: 6 Months → funded cohort ≈58.76 Min Annualrevenuegrowthrate: 0 % Min revenue (₹cr): 5 → funded cohort ≈74.8 Debt / EBITDA: 4 → funded cohort ≈0.15 Min Networth: 0 INR Cr → funded cohort ≈5.27 Debt Service Coverage Ratio: 1 → funded cohort ≈0.39 Debt / Net worth: 4 → funded cohort ≈1 Offered terms (past deals): rate 17–17–17% ₹2–2–2 Cr 12–12–12 mo Turnaround: ≈49 days (share→disburse) Behaviour & gates Min tenure (mo): 12 Months Min ticket (₹cr): 1 Max tenure (mo): 12 Months Min rate (%): 14.5 Max ticket (₹cr): 50 Security required: ['Escrow Of Cashflows', 'Personal Guarantee of Promoters / Directors / Property Owner'] 4 more ▾ ▴ Max rate (%): 18 rate — stated 14.5–18%, actually offered 17–17% → within stated band Amount — stated 1–50 Cr, actually offered 2–2 Cr → within stated band Tenure — stated 12–12 mo, actually offered 12–12 mo → within stated band	₹2 cr	17%	12 mo

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

— Common questions

What borrowers ask about Artfine Consultancy

What does Artfine Consultancy lend?: Artfine Consultancy writes domestic factoring, sales invoice discounting, secured term loan. Across those, observed facilities run ₹2 cr to ₹2 cr.
What ticket size does Artfine Consultancy offer?: Facilities observed on live transactions run from ₹2 cr to ₹2 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does Artfine Consultancy charge?: Rates observed on live transactions fall between 17% and 17% a year. Tenures run 12 to 12 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
How long does Artfine Consultancy take to disburse?: About 49 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
What are Artfine Consultancy'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.

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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 Artfine Consultancy's current policy. Terms are set by the lender at the time of sanction.