Credflow Finance business loans
Credflow Finance is on Recur Club's lender panel, writing equity, purchase invoice discounting, vendor financing. Observed tickets run ₹80 lakh to ₹80 lakh, priced between 15% and 15%. Median turnaround from application to disbursal is about 13 days.
- ✓Tickets from ₹80 L – ₹80 L across 3 products
- ✓Indicative pricing 15% – 15%, as quoted on live transactions
- ✓Around 13 days from application to disbursal when the file is clean
- ✓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: age ≥2y (distributor financing, purchase invoice discounting, vendor financing only)
- CIBIL ≥650
- avoidReal Estate (asset Light)Real Estate (non asset Light)EngineeringProcurementand Construction (EPC)Gems and JewelleryEducation and TrainingExplosivesArms and AmmunitionsFinancial ServicesGambling and BettingInfrastructure
- Delhi (varies by product)
- Private Limited, Public, Sole proprietorship, Limited Liability Partner (varies by product)
- sector-agnostic (36 sectors — full list in data JSON) (varies by product)
17 more ▾ ▴
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- rev ≥₹100cr (distributor financing, vendor financing only)
- Deal: ticket ₹0–100cr (range across products — see matrix)
- tenure 0–12mo
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 10–15% (57%)
- median ticket ₹1.2cr
- median rate 16%
- median turnaround 13d
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×14), FD margin 10–15% (×8), FD margin 15–20% (×5), Corporate Guarantee (×1)
- share → in-principle approval (initial interest): ≈10d
- in-principle approval → sanction (underwriting): ≈2d
- sanction → disburse (closing): ≈1d
What Credflow 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 |
|---|---|---|---|
Purchase Invoice Discounting▾Turnaround ~13d Rejects
Wins
10 more ▾ ▴
Behaviour & gates
4 more ▾ ▴
| ₹0.8 cr | 15% | 12 mo |
Also offered, with no terms observed yet: Equity, Vendor Financing.
What borrowers ask about Credflow Finance
- What does Credflow Finance lend?
- Credflow Finance writes equity, purchase invoice discounting, vendor financing. Across those, observed facilities run ₹80 lakh to ₹80 lakh.
- What ticket size does Credflow Finance offer?
- Facilities observed on live transactions run from ₹80 lakh to ₹80 lakh. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does Credflow Finance charge?
- Rates observed on live transactions fall between 15% and 15% 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 Credflow Finance take to disburse?
- About 13 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 Credflow 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.
Next steps after Credflow 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.
Registry identity, GST status, charges and ratings for any Indian company, including your own.
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 Credflow Finance is the right lender for you
A few questions. Recur Market scores you against Credflow 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 Credflow Finance's current policy. Terms are set by the lender at the time of sanction.