Esaf Small business loans
Esaf Small is on Recur Club's lender panel, writing secured term loan.
- ✓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: age ≥2y
- CIBIL ≥650
- avoidAgriculture and Allied IndustriesAuto ComponentsAutomobilesAviationBankingBiotechnologyCementChemicalsConsumer DurablesDefence ManufacturingE-CommerceEducation and Training
- Kerala, Delhi
- Private Limited, Public, Sole proprietorship, Limited Liability Partner
- positive sector: Financial Services
15 more ▾ ▴
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- minimum assetsundermanagement: 1000
- gross non performing assets: 3
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 11–14%
- ticket ₹10–150cr
- tenure 12–48mo
- no PEP
- Security (observed): Personal Guarantee Of Promoters/Directors (100%)
- 2nd charge on current assets (100%)
- 1st charge on immovable assets (100%)
- 1st/pari-passu charge on current assets (100%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×1), 2nd charge on current assets (×1), 1st charge on immovable assets (×1), 1st/pari-passu charge on current assets (×1)
What Esaf Small 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 |
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Also offered, with no terms observed yet: Secured Term Loan.
What borrowers ask about Esaf Small
- What does Esaf Small lend?
- Esaf Small writes secured term loan.
- What are Esaf Small'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 Esaf Small ask for?
- Observed across sanctions: Personal Guarantee Of Promoters/Directors (100%) · 2nd charge on current assets (100%) · 1st charge on immovable assets (100%) · 1st/pari-passu charge on current assets (100%).
- How do I apply to Esaf Small?
- You do not apply to Esaf Small directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Esaf Small's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Esaf Small 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 Esaf Small screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.
Next steps after Esaf Small
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.
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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 Esaf Small is the right lender for you
A few questions. Recur Market scores you against Esaf Small 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 Esaf Small's current policy. Terms are set by the lender at the time of sanction.