What ticket size does AU Small offer?

Facilities observed on live transactions run from ₹5 cr to ₹5 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

What rate does AU Small charge?

Rates observed on live transactions fall between 10.5% and 10.5% 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 AU Small take to disburse?

About 82 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 AU Small'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

AU Small business loans

Q: What does AU Small lend?

AU Small writes cgss over draft cash credit, cgtmsme overdraft cash credit, cgtmsme term loan, dropline overdraft, operating lease, overdraft / cash credit and 4 further products. Across those, observed facilities run ₹5 cr to ₹5 cr.

AU Small is on Recur Club's lender panel, writing cgss over draft cash credit, cgtmsme overdraft cash credit, cgtmsme term loan and 7 other products. Observed tickets run ₹5 cr to ₹5 cr, priced between 10.5% and 10.5%. Median turnaround from application to disbursal is about 82 days.

✓Tickets from ₹5 Cr – ₹5 Cr across 10 products
✓Indicative pricing 10.5% – 10.5%, as quoted on live transactions
✓Around 82 days from application to disbursal when the file is clean
✓We check your fit against every lender on the panel, not just this one

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Products live

Days median turnaround

— 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.

Rejects

Bhcyahare - not interested
Avoids very small/early-stage fintechs and high-APR lenders (80%-100% APR models) due to regulatory scrutiny concerns
Will only do sole banking cases with 100% cash flow routing
won't take cases where other lenders are already on the books unless it's a takeover

13 more ▾

Negative networth companies are a no-go (per updated PEC)
AU will not fund without a personal guarantee (personal guarantee); company was unwilling to give one
Bhcyahare - not interested (×1
latest )
Don't want to take up this deal; has reservations about the business model (×1
latest )
Avoids very small/early-stage fintechs and high-APR lenders (80%-100% APR models) due to regulatory scrutiny concerns (×1
latest )
Will only do sole banking cases with 100% cash flow routing
won't take cases where other lenders are already on the books unless it's a takeover (×1
latest )
Negative networth companies are a no-go (per updated PEC) (×1
latest )

Wins

Can work under a hybrid model
Now open to new sectors - textile, Deeptech, EV (selectively) - which were previously viewed negatively
Primarily lends to BBB- to A+ rated entities, but can also do unrated
Can come in very early if founder pedigree is good

15 more ▾

VC backing is preferred but not mandatory for startup lending
…more in playbook
Can work under a hybrid model
Now open to new sectors - textile, Deeptech, EV (selectively) - which were previously viewed negatively
Primarily lends to BBB- to A+ rated entities, but can also do unrated
Can come in very early if founder pedigree is good
VC backing is preferred but not mandatory for startup lending
Prefers to become primary/exclusive banking partner; will need proportionate routing if other banks are present
Requires cash collateral as DSRA of 25% FD
Requires personal guarantee/CG of promoters in line with security offered to other lenders
Requires at least 50% of payouts and collections routed through them
They prefer being sole lenders only with control over all cash flows.
Exceptionally will prefer not more than 2 lenders (incl AU) on books.
Prefer co scale in mid range and not too small (i.e. <510crs)
Other scheme parameters remain the same.

Behaviour & gates

Borrower: CIBIL ≥650
age ≥2y (cgss over draft cash credit, cgss term loan, cgss working capital demand loan only)
pan-India
sector-agnostic (45 sectors — full list in data JSON) (varies by product)
Private Limited, Public, Limited Liability Partner, Sole proprietorship
Financials
runway ≥9mo (domestic factoringdropline overdraftexport financingimport factoringsecured term loanvendor financing)

25 more ▾

runway ≥6mo (bank guarantee, letter of credit, loan against property, loan against securities, machinery loan, overdraft / cash credit, vehicle financing)
runway ≥12mo (cgss over draft cash credit, cgss term loan, cgss working capital demand loan)
TOL/adjusted tangible net worth ≤5 (varies by product)
debt/EBITDA ≤4 (bank guarantee, domestic factoring, dropline overdraft, export financing, import factoring, letter of credit, loan against property, loan against securities, machinery loan, overdraft / cash credit, secured term loan, vehicle financing, vendor financing)
debt/EBITDA ≤3 (cgss over draft cash credit, cgss term loan, cgss working capital demand loan, cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan, purchase invoice discounting, sales invoice discounting, working capital demand loan)
debt/networth ≤4 (bank guarantee, domestic factoring, dropline overdraft, export financing, import factoring, letter of credit, loan against property, loan against securities, machinery loan, overdraft / cash credit, secured term loan, vehicle financing, vendor financing)
debt/networth ≤3 (cgss over draft cash credit, cgss term loan, cgss working capital demand loan, cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan, purchase invoice discounting, sales invoice discounting, working capital demand loan)
DSCR ≥1 (varies by product)
rev ≥₹10cr (cgss over draft cash credit, cgss term loan, cgss working capital demand loan only)
maximum annualrevenue: 100 (cgss over draft cash credit, cgss term loan, cgss working capital demand loan only)
Deal: rate 8–16% (range across products — see matrix)
ticket ₹0–200cr (range across products — see matrix)
tenure 12–180mo (range across products — see matrix)
no PEP
Security (observed): 1st/pari-passu charge on current assets (100%)
Personal Guarantee Of Promoters / Directors / Property Owner (71%)
median ticket ₹10cr
median rate 14%
median turnaround 82d
Security asked in : Personal Guarantee Of Promoters/Directors (×2), Escrow Of Cashflows (×2), 1st/pari-passu charge on current assets (×2), Fixed Deposit <5% (×2)
Security asked in : 1st/pari-passu charge on current assets (×12), Personal Guarantee Of Promoters/Directors (×7), FD margin 15–20% (×7), FD margin 20–30% (×4)
Security asked in 2026: 1st/pari-passu charge on current assets (×14), Personal Guarantee Of Promoters / Directors / Property Owner (×10), 1st charge on P&M (×6), FD margin 20–30% (×3)
share → in-principle approval (initial interest): ≈29d
in-principle approval → sanction (underwriting): ≈10d
sanction → disburse (closing): ≈0d

— Products & indicative terms

What AU Small 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
Secured Term Loan▾▴ Turnaround ~82d Rejects Negative sectors Gambling and BettingGems and JewelleryLottery BusinessTobacco ProductsBankingFinancial ServicesInsuranceReal Estate (non asset Light)Real Estate (asset Light) Wins Director overdue: 0.001 INR Cr Director CIBIL: 650 States: pan-India Company types: Private Limited, Public, Limited Liability Partner, Sole proprietorship 10 more ▾ ▴ Min Runway: 9 Months Debt / EBITDA: 4 Debt / Net worth: 4 Debt Service Coverage Ratio: 1 Offered terms (past deals): rate 10.5–10.5–10.5% ₹5–5–5 Cr 12–12–12 mo Turnaround: ≈82 days (share→disburse) Asks for Other (×2) — e.g. Requested latest cash position from the company Asks for Provisional financials (×1) — e.g. Requested FY25 provisional numbers, debt schedule, company overview, and work or Behaviour & gates Min tenure (mo): 12 Months Min ticket (₹cr): 1 Max tenure (mo): 108 Months Min rate (%): 9 Politically Exposed Person: No Max ticket (₹cr): 100 24 more ▾ ▴ Security required: 8 values → data JSON Max rate (%): 16 rate — stated 9–16%, actually offered 10.5–10.5% → within stated band Amount — stated 1–100 Cr, actually offered 5–5 Cr → within stated band Tenure — stated 12–108 mo, actually offered 12–12 mo → within stated band Lender has reviewed this deal multiple times over the past 1-2 years and is not comfortable with the borrower's business model. (×1 latest ) Passing this deal — company is evaluating OD only with existing banker ICICI and cannot shift its banking relationship to AU Small Finance (×1 latest ) Passed on the deal as the company is loss-making and too small in scale (×1 latest ) AU will not fund without a personal guarantee (personal guarantee); company was unwilling to give one (×1 latest ) Only doing sole banking cases (×1 latest ) Wants the company to route its equity raise proceeds through them (×1 latest ) Lender asked to see IDFC's indicative terms to try and replicate/match them for this deal Lender wants an initial call scheduled with the borrower (Gyandhan) team before proceeding with review of the deal. Lender's business head wants an in-person promoter meeting at their Lajpat Nagar office during his one-day Delhi visit AU required the company to have a minimum AUM of ₹100 Crore Currently slow on processing new deals Lender already has a direct/existing relationship with the borrower's promoters, so is reluctant to route this deal through . Being asked to match CSB Bank's security cover of 50%	₹5 cr	10.5%	12 mo

Also offered, with no terms observed yet: Cgss Over Draft Cash Credit, Cgtmsme Overdraft Cash Credit, Cgtmsme Term Loan, Dropline Overdraft, Operating Lease, Overdraft / Cash Credit, Purchase Invoice Discounting, Sales Invoice Discounting, Working Capital Demand Loan.

— Common questions

What borrowers ask about AU Small

What does AU Small lend?: AU Small writes cgss over draft cash credit, cgtmsme overdraft cash credit, cgtmsme term loan, dropline overdraft, operating lease, overdraft / cash credit and 4 further products. Across those, observed facilities run ₹5 cr to ₹5 cr.
What ticket size does AU Small offer?: Facilities observed on live transactions run from ₹5 cr to ₹5 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does AU Small charge?: Rates observed on live transactions fall between 10.5% and 10.5% 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 AU Small take to disburse?: About 82 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 AU Small'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 29 September 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 AU Small's current policy. Terms are set by the lender at the time of sanction.