Ecofy Finance business loans
Ecofy Finance is on Recur Club's lender panel, writing sales invoice discounting, secured term 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
- pan-India
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
3 more ▾ ▴
- Deal: rate 15–18%
- ticket ₹0.2–0.5cr
- tenure 12–84mo
What Ecofy 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: Sales Invoice Discounting, Secured Term Loan.
What a sanction from Ecofy 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 6 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.
- Fire insurance policy assignment2 letters
- Movable Asset / Battery / Vehicle1 letters
- Insurance Policy – Credit Cover / Life1 letters
- Insurance Policy – Fire1 letters
- Fire Insurance Policy1 letters
- Credit Cover (Life) Insurance Policy1 letters
- Fire insurance policy assignment ×2, Movable Asset / Battery / Vehicle ×1, Insurance Policy – Credit Cover / Life ×1, Insurance Policy – Fire ×1, Fire Insurance Policy ×1, Credit Cover (Life) Insurance Policy ×1
What borrowers ask about Ecofy Finance
- What does Ecofy Finance lend?
- Ecofy Finance writes sales invoice discounting, secured term loan.
- What are Ecofy 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.
- How do I apply to Ecofy Finance?
- You do not apply to Ecofy Finance directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Ecofy Finance's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Ecofy 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 Ecofy 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 Ecofy 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 Ecofy Finance is the right lender for you
A few questions. Recur Market scores you against Ecofy 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 Ecofy Finance's current policy. Terms are set by the lender at the time of sanction.