# Connect Residuary business loans

> Connect Residuary is on Recur Club's lender panel, writing operating lease, secured term loan, working capital demand loan.

Source: https://www.recurclub.com/lenders/connect-residuary
Last updated: 2026-10-20

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · pan-India
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 10–18% · ticket ₹1–1000cr · tenure 12–84mo
- Security (observed): 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters/Directors (67%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×1)
- Security asked in : 1st/pari-passu charge on current assets (×3), Personal Guarantee Of Promoters/Directors (×2), Escrow Of Cashflows (×1), Fixed Deposit <5% (×1)

## Common questions

### What does Connect Residuary lend?

Connect Residuary writes operating lease, secured term loan, working capital demand loan.

### What are Connect Residuary'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 Connect Residuary ask for?

Observed across sanctions: 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters/Directors (67%).

### How do I apply to Connect Residuary?

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

### Is Connect Residuary 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 Connect Residuary 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 Connect Residuary's current policy.