# Export Import business loans

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: age ≥2y · CIBIL ≥650 · avoid: Real Estate (asset Light), Real Estate (non asset Light), Gems and Jewellery · pan-India · Private Limited, Public, Sole proprietorship, Limited Liability Partner · sector-agnostic (47 sectors — full list in data JSON)
- Financials: rev ≥₹10cr · TOL/adjusted tangible net worth ≤4 · debt/EBITDA ≤3 · maximum annualrevenue: 500 · debt/networth ≤3 · DSCR ≥1
- Deal: rate 9–16% · tenure 12–60mo (range across products — see matrix)
- Security: 1st/pari-passu charge on current assets · 1st charge on P&M

## Sanctioned terms (from 1 real sanction letter)

### Sanctioned amount: median ₹7 cr · NEW ×1

- median ₹7 cr · NEW ×1

### Typical security: Movable fixed assets ×1, Land and building (equitable mortgage) ×1, Land and building under construction (equitable mortgage) ×1, Current assets ×1, Cash margin ×1, Residential flat (equitable mortgage) ×1

- Movable fixed assets ×1, Land and building (equitable mortgage) ×1, Land and building under construction (equitable mortgage) ×1, Current assets ×1, Cash margin ×1, Residential flat (equitable mortgage) ×1

### Typical covenants: - No further borrowing without lender consent — 100% of letters

- No further borrowing without lender consent — 100% of letters

### Term sheet by ticket size: (facilities, largest first)

- (facilities, largest first)

## Common questions

### What are Export Import'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 Export Import?

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

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

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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 Export Import's current policy.