# Astrafin Neosolutions business loans

> Astrafin Neosolutions is on Recur Club's lender panel, writing finance lease, operating lease. Observed tickets run ₹2 cr to ₹7 cr, priced between 11% and 30%. Median turnaround from application to disbursal is about 76 days.

Source: https://www.recurclub.com/lenders/astrafin-neosolutions
Last updated: 2026-09-29

## Products and indicative terms

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

| Product | Ticket | Rate | Tenure |
|---|---|---|---|
| Finance Lease | ₹7 cr | 14% | 36 mo |
| Operating Lease | ₹2–3.8 cr | 11–30% | 12–18 mo |

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥1y
- Financials: runway ≥18mo · rev ≥₹50cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: tenure 12–120mo
- Security (observed): 1st charge on P&M (100%) · FD margin 5–10% (59%)
- Security asked in : 1st charge on P&M (×5), FD margin 5–10% (×3), Personal Guarantee Of Promoters/Directors (×2), 1st/pari-passu charge on current assets (×1)
- Security asked in 2026: 1st charge on P&M (×17), FD margin 5–10% (×10), Personal Guarantee Of Promoters / Directors / Property Owner (×8), FD margin 10–15% (×5)
- share → in-principle approval (initial interest): ≈10d
- in-principle approval → sanction (underwriting): ≈58d
- sanction → disburse (closing): ≈34d

## Common questions

### What does Astrafin Neosolutions lend?

Astrafin Neosolutions writes finance lease, operating lease. Across those, observed facilities run ₹2 cr to ₹7 cr.

### What ticket size does Astrafin Neosolutions offer?

Facilities observed on live transactions run from ₹2 cr to ₹7 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

### What rate does Astrafin Neosolutions charge?

Rates observed on live transactions fall between 11% and 30% a year. Tenures run 12 to 36 months. These are observed figures, not a quote, and the rate you are offered depends on your file.

### How long does Astrafin Neosolutions take to disburse?

About 76 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 Astrafin Neosolutions'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 Astrafin Neosolutions's current policy.