DMI Finance business loans
DMI Finance is on Recur Club's lender panel, writing secured term loan, unsecured business 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: age ≥2y
- CIBIL ≥650 (secured term loan)
- CIBIL ≥700 (machinery loan, unsecured business loan)
- max od cc utilisation: 97 (unsecured business loan only)
- minimum bankingturnover: 2 (unsecured business loan only)
- max usl enquiries l3 m: 12 (unsecured business loan only)
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- max ongoing ubl count: 10 (unsecured business loan only)
- max new ubl l3 m: 3 (unsecured business loan only)
- avg bank balance: 0.01 (unsecured business loan only)
- avoid: Engineering, Procurement, and Construction (EPC), Real Estate (non asset Light), Infrastructure (varies by product)
- Bihar, Delhi, Haryana, Rajasthan, Uttar Pradesh, Uttarakhand (varies by product)
- Private Limited (varies by product)
- sector-agnostic (26 sectors — full list in data JSON) (varies by product)
- Financials: runway ≥24mo (secured term loan)
- runway ≥12mo (machinery loan)
- rev ≥₹100cr (secured term loan)
- rev ≥₹50cr (machinery loan)
- TOL/adjusted tangible net worth ≤5 (secured term loan)
- TOL/adjusted tangible net worth ≤4 (machinery loan)
- debt/EBITDA ≤4
- DSCR ≥1 (secured term loan)
- DSCR ≥1.2 (machinery loan)
- debt/networth ≤4 (secured term loan)
- debt/networth ≤3 (machinery loan)
- maximum tradereceivables: 120 (machinery loan only)
- maximum tradepayables: 12 (machinery loan only)
- maximum workingcapitalgap: 120 (machinery loan only)
- Deal: rate 10–20% (range across products — see matrix)
- ticket ₹0.2–400cr (range across products — see matrix)
- tenure 12–84mo (range across products — see matrix)
- Security (observed): 1st/pari-passu charge on current assets (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (67%)
- median ticket ₹50cr
- median rate 13%
- median turnaround —
- Security asked in : 1st/pari-passu charge on current assets (×1), Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (×1), FD margin 10–15% (×1)
- Security asked in 2026: 1st/pari-passu charge on current assets (×6), Personal Guarantee Of Promoters / Directors / Property Owner (×4), 2nd charge on current assets (×1), FD margin 10–15% (×1)
- share → in-principle approval (initial interest): ≈49d
What DMI 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 |
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Also offered, with no terms observed yet: Secured Term Loan, Unsecured Business Loan.
What borrowers ask about DMI Finance
- What does DMI Finance lend?
- DMI Finance writes secured term loan, unsecured business loan.
- What are DMI 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 DMI Finance ask for?
- Observed across sanctions: 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (67%).
- How do I apply to DMI Finance?
- You do not apply to DMI Finance directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against DMI Finance's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is DMI 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 DMI 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 DMI 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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Founder stories from the companies building in India, from the team behind Recur Club.
See whether DMI Finance is the right lender for you
A few questions. Recur Market scores you against DMI 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 DMI Finance's current policy. Terms are set by the lender at the time of sanction.