# 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.

Source: https://www.recurclub.com/lenders/equiflex
Last updated: 2026-09-29

## Products and indicative terms

Observed on live transactions. Not an offer or a quote.

| Product | Ticket | Rate | Tenure |
|---|---|---|---|
| Finance Lease | ₹5–25 cr | 12–13.5% | 36 mo |
| Operating Lease | ₹1 cr | 12.5% | 18 mo |

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

## Eligibility

### Screening gates and observed behaviour

- 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 · 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

## Common questions

### 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.

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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 Equiflex's current policy.