Equentia Financial business loans
Equentia Financial is on Recur Club's lender panel, writing operating lease, overdraft / cash credit, purchase invoice discounting and 5 other products. Observed tickets run ₹1.5 cr to ₹5 cr, priced between 14.2% and 16%. Median turnaround from application to disbursal is about 62 days.
- ✓Tickets from ₹1.5 Cr – ₹5 Cr across 8 products
- ✓Indicative pricing 14.2% – 16%, as quoted on live transactions
- ✓Around 62 days from application to disbursal when the file is clean
- ✓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
- age ≥2y (varies by product)
- avoidInfrastructureRoadsTobacco ProductsExplosivesArms and AmmunitionsGambling and BettingLottery Business (varies by product)
- pan-India (varies by product)
- sector-agnostic (50 sectors — full list in data JSON) (varies by product)
- Private Limited, Public, Limited Liability Partner (varies by product)
23 more ▾ ▴
- Financials: rev ≥₹30cr (purchase invoice discounting, secured term loan, working capital demand loan)
- rev ≥₹10cr (sales invoice discounting)
- rev ≥₹300cr (vendor financing)
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 13–17%
- ticket ₹0–15cr (range across products — see matrix)
- tenure 6–18mo (range across products — see matrix)
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 10–15% (92%)
- median ticket ₹5cr
- median rate 14%
- median turnaround 62d
- Security asked in : Personal Guarantee Of Promoters/Directors (×1)
- Security asked in : FD margin 20–30% (×10), Fixed Deposit <5% (×9), FD margin 5–10% (×9), FD margin 10–15% (×9)
- Security asked in : Personal Guarantee Of Promoters/Directors (×38), FD margin 10–15% (×28), 1st/pari-passu charge on current assets (×22), FD margin 5–10% (×14)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×24), FD margin 10–15% (×22), 1st/pari-passu charge on current assets (×11), FD margin 5–10% (×6)
- share → in-principle approval (initial interest): ≈5d
- in-principle approval → sanction (underwriting): ≈26d
- sanction → disburse (closing): ≈33d
What Equentia Financial 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 |
|---|---|---|---|
Purchase Invoice Discounting▾Turnaround ~54d Rejects
Wins
12 more ▾ ▴
Behaviour & gates
5 more ▾ ▴
| ₹5 cr | 14.2% | 12 mo |
Working Capital Demand Loan▾Turnaround ~96d Rejects
Wins
20 more ▾ ▴
Behaviour & gates
5 more ▾ ▴
| ₹1.5–2.5 cr | 14.5–16% | 12 mo |
Also offered, with no terms observed yet: Operating Lease, Overdraft / Cash Credit, Sales Invoice Discounting, Secured Term Loan, Unsecured Business Loan, Vendor Financing.
What a sanction from Equentia Financial 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 2 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.
- Receivables / Designated Account1 letters
- auto-debit mandate1 letters
- Undated cheques1 letters
- Personal Guarantee1 letters
- Receivables / Designated Account ×1, auto-debit mandate ×1, Undated cheques ×1, Personal Guarantee ×1
What borrowers ask about Equentia Financial
- What does Equentia Financial lend?
- Equentia Financial writes operating lease, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan, unsecured business loan and 2 further products. Across those, observed facilities run ₹1.5 cr to ₹5 cr.
- What ticket size does Equentia Financial offer?
- Facilities observed on live transactions run from ₹1.5 cr to ₹5 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does Equentia Financial charge?
- Rates observed on live transactions fall between 14.2% and 16% a year. Tenures run 12 to 12 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
- How long does Equentia Financial take to disburse?
- About 62 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
- What are Equentia Financial'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.
Next steps after Equentia Financial
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 Equentia Financial is the right lender for you
A few questions. Recur Market scores you against Equentia Financial 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 Equentia Financial's current policy. Terms are set by the lender at the time of sanction.