Evam Finance business loans
Evam Finance is on Recur Club's lender panel, writing sales invoice discounting, 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.
- Automatic disqualifiersRBI defaulter/CIBIL SMA-2+/ECGC caution listongoing insolvency/winding-up/NCLT proceedingsadverse PMLA/AML/sanctions matchexclusion-list activities (speculative tradingcryptohazardous activitieschild/forced labour)unclear beneficial ownershipundisclosed related-party structures designed to obscure cashflows
- Won't fund (stated policy): speculative trading
- crypto
- hazardous activities
6 more ▾ ▴
- child/forced labour
- Selective / conditional (stated policy): WC-GCP: Climate Mitigation (M1–M3) or Adaptation (A1–A3) only
- WC-Invoice Discounting: Climate M1/M2 only
- Term Loan: Climate M1–M3 / A1–A3
- PO Financing: Climate M1/M2 only; PO must be for Climate Mitigation or Adaptation activities (M1/M2/A1-A3)
- +1 more (playbook)
- Borrower: age ≥2y
- CIBIL ≥650
- avoidAgriculture and Allied IndustriesAuto ComponentsAutomobilesAviationBankingBiotechnologyCementChemicalsConsumer DurablesDefence ManufacturingE-CommerceEducation and Training
- pan-India
- positive sectorInfrastructureElectric VehicleEngineeringProcurementand Construction (EPC)Renewable Energy
- Financials: rev ≥₹10cr (secured term loan)
14 more ▾ ▴
- rev ≥₹5cr (purchase invoice discounting, sales invoice discounting)
- rev ≥₹2cr (working capital demand loan)
- TOL/adjusted tangible net worth ≤3
- debt/EBITDA ≤3
- maximum annualrevenue: 500
- debt/networth ≤3
- DSCR ≥1.2
- networth ≥₹2cr (working capital demand loan only)
- Deal: rate 14–16.5% (range across products — see matrix)
- ticket ₹1–10cr (range across products — see matrix)
- tenure 12–60mo (range across products — see matrix)
- Security (observed): 1st/pari-passu charge on current assets (100%)
- 1st charge on P&M (67%)
- Security asked in 2026: 1st/pari-passu charge on current assets (×3), 1st charge on P&M (×2), Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1)
What Evam Finance 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 |
|---|
Also offered, with no terms observed yet: Sales Invoice Discounting, Secured Term Loan.
What borrowers ask about Evam Finance
- What does Evam Finance lend?
- Evam Finance writes sales invoice discounting, secured term loan.
- What are Evam Finance'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.
- Who does Evam Finance not fund?
- Automatic disqualifiers: RBI defaulter/CIBIL SMA-2+/ECGC caution list, ongoing insolvency/winding-up/NCLT proceedings, adverse PMLA/AML/sanctions match, exclusion-list activities (speculative trading, crypto,... Sector and structure exclusions are listed in full on this page.
- What security does Evam Finance ask for?
- Observed across sanctions: 1st/pari-passu charge on current assets (100%) · 1st charge on P&M (67%).
- What documents does Evam Finance ask for?
- Most often audited financials, bank statements, cap table / equity, debt schedule / sanction letters, legal / kyc. Having these ready before the first call is what shortens the turnaround.
Next steps after Evam Finance
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 Evam Finance is the right lender for you
A few questions. Recur Market scores you against Evam Finance 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 Evam Finance's current policy. Terms are set by the lender at the time of sanction.