Aum Securities business loans
Aum Securities is on Recur Club's lender panel, writing secured term loan.
- ✓We check your fit against every lender on the panel, not just this one
The screen your file has to clear
What is checked before anything else, and applies to every product below.
- Borrower: CIBIL ≥650
- age ≥3y
- avoid: Real Estate (asset Light), Real Estate (non asset Light), Financial Services
- pan-India
- sector-agnostic (50 sectors — full list in data JSON)
- Private Limited, Public
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- Financials: rev ≥₹100cr
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: ticket ₹10–25cr
- tenure 12–24mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- 2nd charge on current assets (100%)
- FD margin 10–15% (50%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×2), 2nd charge on current assets (×2), FD margin 10–15% (×1)
What Aum Securities 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 |
|---|
Also offered, with no terms observed yet: Secured Term Loan.
What borrowers ask about Aum Securities
- What does Aum Securities lend?
- Aum Securities writes secured term loan.
- What are Aum Securities'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.
- What security does Aum Securities ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 2nd charge on current assets (100%) · FD margin 10–15% (50%).
- How do I apply to Aum Securities?
- You do not apply to Aum Securities directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Aum Securities's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Aum Securities the right lender for my business?
- It depends on which product you need, your sector and how your last two years of financials read. The credit box on this page is what Aum Securities screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.
Next steps after Aum Securities
Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.
Search the panel by name, product or ticket size, and compare credit boxes side by side.
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See whether Aum Securities is the right lender for you
A few questions. Recur Market scores you against Aum Securities and the rest of the panel, on each lender's own recorded criteria.
Check my matchLast updated
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 Aum Securities's current policy. Terms are set by the lender at the time of sanction.