# Equirus business loans

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

## 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, Limited Liability Partner
- Financials: EBITDA ≥₹5cr · rev ≥₹100cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 11–16% · ticket ₹4–15cr · tenure 12–48mo
- Security: share pledge ≤51%

## Common questions

### What are Equirus'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.

### How do I apply to Equirus?

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

### Is Equirus 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 Equirus screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.

---

Check which lenders fund a business like yours: https://www.recurclub.com/recur-market
All lenders: https://www.recurclub.com/lenders

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 Equirus's current policy.