# Electrifi Mobility business loans

> Electrifi Mobility is on Recur Club's lender panel, writing operating lease.

Source: https://www.recurclub.com/lenders/electrifi-mobility
Last updated: 2026-10-20

Also offered, with no terms observed yet: Operating Lease.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · avoid: Agriculture and Allied Industries, Auto Components, Automobiles, Aviation, Banking, Biotechnology, Cement, Chemicals, Consumer Durables, Defence Manufacturing, E-Commerce, Education and Training, Electronics System Design & Manufacturing, Engineering and Capital Goods, Engineering, Procurement, and Construction (EPC), Explosives, Arms and Ammunitions, Financial Services, FMCG, Food Processing, Gambling and Betting, Gems and Jewellery, Healthcare, Infrastructure, Insurance, Lottery Business, Manufacturing, Media and Entertainment, Medical Devices, Metals and Mining, Mining Companies, Mining Equipment, Mining Tech, Oil and Gas, Others, Paper & Packaging, Pharmaceuticals, Ports, Power, Railways, Real Estate (asset Light), Real Estate (non asset Light), Renewable Energy, Retail (Consumer Goods), Roads, SaaS, Science and Technology, Services, Services for Mining Industry, Steel, Tech Services, Telecommunications, Textiles, Tobacco Products, Tourism and Hospitality, Trading · pan-India · positive sector: Electric Vehicle, Automobiles
- Financials: EBITDA ≥₹-30cr · runway ≥6mo · minimum annualrevenuegrowthrate: 10 · rev ≥₹5cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 14–20% · ticket ₹0–5cr · tenure 24–60mo
- Security (observed): 1st charge on P&M (100%) · FD margin 10–15% (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (50%)
- Security asked in 2026: 1st charge on P&M (×2), FD margin 10–15% (×2), Personal Guarantee Of Promoters / Directors / Property Owner (×1)

## Common questions

### What does Electrifi Mobility lend?

Electrifi Mobility writes operating lease.

### What are Electrifi Mobility'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 Electrifi Mobility ask for?

Observed across sanctions: 1st charge on P&M (100%) · FD margin 10–15% (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (50%).

### How do I apply to Electrifi Mobility?

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

### Is Electrifi Mobility 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 Electrifi Mobility 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 Electrifi Mobility's current policy.