# Efund Technical business loans

> Efund Technical is on Recur Club's lender panel, writing unsecured business loan.

Source: https://www.recurclub.com/lenders/efund-technical
Last updated: 2026-10-20

Also offered, with no terms observed yet: Unsecured Business Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: minimum bankingturnover: .4 · age ≥1y · max usl enquiries l3 m: 20 · CIBIL ≥675 · avg bank balance: .003 · max nach cheque bounces l3 m: 0 · max usl0 plus dpd l3 m: 0
- Deal: rate 16–20% · tenure 6–60mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×14), 1st/pari-passu charge on current assets (×3), Escrow Of Cashflows (×2), No Security (×2)
- share → in-principle approval (initial interest): ≈21d

## Common questions

### What does Efund Technical lend?

Efund Technical writes unsecured business loan.

### What are Efund Technical's eligibility criteria?

The first screen is the bureau: a borrower CIBIL of at least 675. 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 Efund Technical ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%).

### What documents does Efund Technical ask for?

Most often bank statements, gst / integration, legal / kyc. Having these ready before the first call is what shortens the turnaround.

### How do I apply to Efund Technical?

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

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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 Efund Technical's current policy.