# Ekam Advisors business loans

> Ekam Advisors is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/ekam-advisors
Last updated: 2026-10-20

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 15–20% · ticket ₹5–25cr · tenure 12–36mo · no PEP
- Security (observed): 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters/Directors (100%)
- Security asked in : 1st/pari-passu charge on current assets (×3), Personal Guarantee Of Promoters/Directors (×3), Fixed Deposit <5% (×1), FD margin 5–10% (×1)

## Common questions

### What does Ekam Advisors lend?

Ekam Advisors writes secured term loan.

### What are Ekam Advisors'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 Ekam Advisors ask for?

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

### How do I apply to Ekam Advisors?

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

### Is Ekam Advisors 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 Ekam Advisors 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 Ekam Advisors's current policy.