# Ecofy Finance business loans

> Ecofy Finance is on Recur Club's lender panel, writing sales invoice discounting, secured term loan.

Source: https://www.recurclub.com/lenders/ecofy-finance
Last updated: 2026-10-20

Also offered, with no terms observed yet: Sales Invoice Discounting, Secured Term 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 15–18% · ticket ₹0.2–0.5cr · tenure 12–84mo

## Sanctioned terms (from 6 real sanction letters)

### Sanctioned amount: median ₹85L (₹12L–₹2.5 cr) · NEW ×4

- median ₹85L (₹12L–₹2.5 cr) · NEW ×4

### Typical security: 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

- 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

### Typical covenants: - Other standing covenants — 83% of letters

- Other standing covenants — 83% of letters

### Term sheet by ticket size: (facilities, largest first)

- (facilities, largest first)

## Common questions

### 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.

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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 Ecofy Finance's current policy.