# Banquity Equipment business loans

> Banquity Equipment is on Recur Club's lender panel, writing operating lease, secured term loan.

Source: https://www.recurclub.com/lenders/banquity-equipment
Last updated: 2026-10-20

Also offered, with no terms observed yet: Operating Lease, Secured Term Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥3y · Private Limited, Limited Liability Partner, Public
- Financials: runway ≥12mo · rev ≥₹40cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 12–18% · ticket ₹1–30cr · tenure 12–60mo
- Security (observed): 1st charge on P&M (100%) · FD margin 10–15% (75%) · Escrow Of Cashflows (50%)
- Security asked in : Fixed Deposit <5% (×1), FD margin 5–10% (×1), FD margin 10–15% (×1), FD margin 15–20% (×1)
- Security asked in 2026: 1st charge on P&M (×4), FD margin 10–15% (×3), Escrow Of Cashflows (×2), Personal Guarantee Of Promoters / Directors / Property Owner (×1)
- share → in-principle approval (initial interest): ≈9d

## Common questions

### What does Banquity Equipment lend?

Banquity Equipment writes operating lease, secured term loan.

### What are Banquity Equipment'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 Banquity Equipment ask for?

Observed across sanctions: 1st charge on P&M (100%) · FD margin 10–15% (75%) · Escrow Of Cashflows (50%).

### How do I apply to Banquity Equipment?

You do not apply to Banquity Equipment directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Banquity Equipment's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.

### Is Banquity Equipment 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 Banquity Equipment screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.

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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 Banquity Equipment's current policy.