Ckers Finance business loans
Ckers Finance is on Recur Club's lender panel, writing secured term loan, working capital demand 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
- avoidAgriculture and Allied IndustriesAuto ComponentsAutomobilesAviationBankingBiotechnologyCementChemicalsConsumer DurablesDefence ManufacturingE-CommerceEducation and Training
- pan-India
- Private Limited, Public, Sole proprietorship, Limited Liability Partner
- positive sector: Electric Vehicle, Renewable Energy
- Financials: runway ≥12mo
16 more ▾ ▴
- rev ≥₹10cr
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 16–18%
- ticket ₹1–3cr
- tenure 1–60mo (range across products — see matrix)
- no PEP
- Security (observed): FD margin 10–15% (100%)
- 1st charge on P&M (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 5–10% (100%)
- Security asked in : 1st/pari-passu charge on current assets (×2), FD margin 5–10% (×2), FD margin 15–20% (×2), Personal Guarantee Of Promoters/Directors (×2)
- Security asked in 2026: FD margin 10–15% (×1), 1st charge on P&M (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1), FD margin 5–10% (×1)
- share → in-principle approval (initial interest): ≈0d
What Ckers Finance 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, Working Capital Demand Loan.
What a sanction from Ckers Finance actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 3 sanction letters carrying the clause.
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
- Promoter/sponsor loans3 letters
- Undated cheques / auto-debit mandate2 letters
- Product warranties2 letters
- Financed Asset (lithium-based batteries/battery cells & chargers)1 letters
- Demand promissory note1 letters
- Current and movable fixed assets / receivables pertaining to Financed Assets1 letters
- Promoter/sponsor loans ×3, Undated cheques / auto-debit mandate ×2, Product warranties ×2, Financed Asset (lithium-based batteries/battery cells & chargers) ×1, Demand promissory note ×1, Current and movable fixed assets / receivables pertaining to Financed Assets ×1
What borrowers ask about Ckers Finance
- What does Ckers Finance lend?
- Ckers Finance writes secured term loan, working capital demand loan.
- What are Ckers Finance'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 Ckers Finance ask for?
- Observed across sanctions: FD margin 10–15% (100%) · 1st charge on P&M (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 5–10% (100%).
- How do I apply to Ckers Finance?
- You do not apply to Ckers Finance directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Ckers Finance's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Ckers Finance 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 Ckers Finance 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 Ckers Finance
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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The underwriting platform these credit boxes come from. Built for lenders and credit teams.
Founder stories from the companies building in India, from the team behind Recur Club.
See whether Ckers Finance is the right lender for you
A few questions. Recur Market scores you against Ckers Finance 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 Ckers Finance's current policy. Terms are set by the lender at the time of sanction.