# DSP Financial business loans

> DSP Financial is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/dsp-financial
Last updated: 2026-10-20

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · avoid: Gems and Jewellery
- Financials: runway ≥12mo · rev ≥₹150cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 12–17% · ticket ₹50–500cr · tenure 12–60mo
- Security (observed): Personal Guarantee Of Promoters/Directors (100%) · 1st/pari-passu charge on current assets (67%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×3), 1st/pari-passu charge on current assets (×2), Commercial/ Office Property/Factory Building - Pari Passu First Charge (×1), Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (×1)

## Common questions

### What does DSP Financial lend?

DSP Financial writes secured term loan.

### What are DSP Financial'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 DSP Financial ask for?

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

### How do I apply to DSP Financial?

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

### Is DSP Financial 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 DSP Financial 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 DSP Financial's current policy.