# 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.

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

## Products and indicative terms

Observed on live transactions. Not an offer or a quote.

| Product | Ticket | Rate | Tenure |
|---|---|---|---|
| Domestic Factoring | ₹2 cr | 17% | 12 mo |

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥2y · avoid: Real Estate (asset Light), Real Estate (non asset Light), Gems and Jewellery, Explosives, Arms and Ammunitions, Infrastructure, Gambling and Betting, Lottery Business, Railways, Roads
- Financials: EBITDA ≥₹-100cr · runway ≥6mo · rev ≥₹5cr · 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

## Common questions

### 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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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.