What does Equiflex lend?

Equiflex writes finance lease, operating lease, secured term loan, working capital demand loan. Across those, observed facilities run ₹1 cr to ₹25 cr.

What ticket size does Equiflex offer?

Facilities observed on live transactions run from ₹1 cr to ₹25 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

What rate does Equiflex charge?

Rates observed on live transactions fall between 12% and 13.5% a year. Tenures run 18 to 36 months. These are observed figures, not a quote, and the rate you are offered depends on your file.

How long does Equiflex take to disburse?

About 111 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 Equiflex'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.

Lender profile

Equiflex business loans

Equiflex is on Recur Club's lender panel, writing finance lease, operating lease, secured term loan and 1 other products. Observed tickets run ₹1 cr to ₹25 cr, priced between 12% and 13.5%. Median turnaround from application to disbursal is about 111 days.

✓Tickets from ₹1 Cr – ₹25 Cr across 4 products
✓Indicative pricing 12% – 13.5%, as quoted on live transactions
✓We check your fit against every lender on the panel, not just this one

Check your fit →

Products live

— The screen your file has to clear

The screen your file has to clear

What is checked before anything else, and applies to every product below.

Behaviour & gates

Borrower: CIBIL ≥650
age ≥2y
pan-India
sector-agnostic (50 sectors — full list in data JSON)
Private Limited, Public, Sole proprietorship, Limited Liability Partner
Financials: runway ≥12mo

16 more ▾

rev ≥₹30cr
TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
debt/networth ≤4
DSCR ≥1
Deal: rate 11–18%
ticket ₹1–10000cr
tenure 15–108mo
Security (observed): 1st charge on P&M (100%)
Personal Guarantee Of Promoters / Directors / Property Owner (52%)
Security asked in : 1st/pari-passu charge on current assets (×2), Personal Guarantee Of Promoters/Directors (×1), Fixed Deposit <5% (×1), FD margin 5–10% (×1)
Security asked in : 1st charge on P&M (×2), Escrow Of Cashflows (×1), 1st/pari-passu charge on current assets (×1), FD margin 5–10% (×1)
Security asked in 2026: 1st charge on P&M (×25), Personal Guarantee Of Promoters / Directors / Property Owner (×13), FD margin 10–15% (×9), FD margin 5–10% (×9)
share → in-principle approval (initial interest): ≈11d
in-principle approval → sanction (underwriting): ≈54d
sanction → disburse (closing): ≈58d

— Products & indicative terms

What Equiflex 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
Finance Lease▾▴ Turnaround ~111d Wins Director overdue: 0.001 INR Cr [set , Mohit Gautam] Director CIBIL: 650 [set , Mohit Gautam] States: pan-India [set , Mohit Gautam] Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner [set , Mohit Gautam] 12 more ▾ ▴ Min company age (yr): 2 Years [set , Mohit Gautam] Min Runway: 12 Months [set , Mohit Gautam] Min revenue (₹cr): 30 [set , Mohit Gautam] TOL: 5 [set , Mohit Gautam] Debt / EBITDA: 4 [set , Mohit Gautam] Min Networth: 0 INR Cr [set , Mohit Gautam] Debt / Net worth: 4 [set , Mohit Gautam] Debt Service Coverage Ratio: 1 [set , Mohit Gautam] Offered terms (past deals): rate 12–12.8–13.5% ₹5–15–25 Cr 36–36–36 mo Turnaround: ≈111 days (share→disburse) Behaviour & gates Min tenure (mo): 15 Months [set , Mohit Gautam] Min ticket (₹cr): 1 [set , Mohit Gautam] Max tenure (mo): 108 Months [set , Mohit Gautam] Min rate (%): 11 [set , Mohit Gautam] Max ticket (₹cr): 10000 [set , Mohit Gautam] Security required: ['Charge On Movable Fixed Assets/Plant & Machinery - Exclusive First Charge', 'Fixed Deposit 5 - 10%'] [set , Mohit Gautam] 4 more ▾ ▴ Max rate (%): 18 [set , Mohit Gautam] rate — stated 11–18%, actually offered 12–13.5% → within stated band Amount — stated 1–10000 Cr, actually offered 5–25 Cr → within stated band Tenure — stated 15–108 mo, actually offered 36–36 mo → within stated band	₹5–25 cr	12–13.5%	36 mo
Operating Lease▾▴ Turnaround ~199d Wins Director overdue: 0.001 INR Cr [set , Mohit Gautam] Director CIBIL: 650 [set , Mohit Gautam] States: pan-India [set , Mohit Gautam] Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner [set , Mohit Gautam] 12 more ▾ ▴ Min company age (yr): 2 Years [set , Mohit Gautam] Min Runway: 12 Months [set , Mohit Gautam] Min revenue (₹cr): 30 [set , Mohit Gautam] TOL: 5 [set , Mohit Gautam] Debt / EBITDA: 4 [set , Mohit Gautam] Min Networth: 0 INR Cr [set , Mohit Gautam] Debt / Net worth: 4 [set , Mohit Gautam] Debt Service Coverage Ratio: 1 [set , Mohit Gautam] Offered terms (past deals): rate 12.5–12.5–12.5% ₹1–1–1 Cr 18–18–18 mo Turnaround: ≈199 days (share→disburse) Behaviour & gates Min tenure (mo): 15 Months [set , Mohit Gautam] Min ticket (₹cr): 1 [set , Mohit Gautam] Max tenure (mo): 108 Months [set , Mohit Gautam] Min rate (%): 11 [set , Mohit Gautam] Max ticket (₹cr): 10000 [set , Mohit Gautam] Security required: ['Charge On Movable Fixed Assets/Plant & Machinery - Exclusive First Charge', 'Fixed Deposit 5 - 10%'] [set , Mohit Gautam] 4 more ▾ ▴ Max rate (%): 18 [set , Mohit Gautam] rate — stated 11–18%, actually offered 12.5–12.5% → within stated band Amount — stated 1–10000 Cr, actually offered 1–1 Cr → within stated band Tenure — stated 15–108 mo, actually offered 18–18 mo → within stated band	₹1 cr	12.5%	18 mo

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

— Common questions

What borrowers ask about Equiflex

What does Equiflex lend?: Equiflex writes finance lease, operating lease, secured term loan, working capital demand loan. Across those, observed facilities run ₹1 cr to ₹25 cr.
What ticket size does Equiflex offer?: Facilities observed on live transactions run from ₹1 cr to ₹25 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does Equiflex charge?: Rates observed on live transactions fall between 12% and 13.5% a year. Tenures run 18 to 36 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
How long does Equiflex take to disburse?: About 111 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 Equiflex'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 Equiflex

Check your match

Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.

Browse every lender

Search the panel by name, product or ticket size, and compare credit boxes side by side.

Look up a company

Registry identity, GST status, charges and ratings for any Indian company, including your own.

AICA

The underwriting platform these credit boxes come from. Built for lenders and credit teams.

Bharat Ke SuperFounders

Founder stories from the companies building in India, from the team behind Recur Club.

See whether Equiflex is the right lender for you

A few questions. Recur Market scores you against Equiflex and the rest of the panel, on each lender's own recorded criteria.

Check my match

Last updated 29 September 2026

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 Equiflex's current policy. Terms are set by the lender at the time of sanction.