Fixdot Fintech business loans
Fixdot Fintech is on Recur Club's lender panel, writing purchase invoice discounting, sales invoice discounting.
- ✓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: CIBIL ≥650
- avoid: Infrastructure, Real Estate (non asset Light)
- pan-India
- Financials: runway ≥12mo
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
11 more ▾ ▴
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 16–20%
- ticket ₹1–10cr
- tenure 12–84mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Escrow Of Cashflows (50%)
- FD margin 15–20% (50%)
- Security asked in : 1st/pari-passu charge on current assets (×1), Escrow Of Cashflows (×1)
- Security asked in : Escrow Of Cashflows (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×2), Escrow Of Cashflows (×1), FD margin 15–20% (×1)
What Fixdot Fintech 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: Purchase Invoice Discounting, Sales Invoice Discounting.
What a sanction from Fixdot Fintech actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 6 sanction letters carrying the clause.
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
- Cheque3 letters
- Personal Guarantee3 letters
- auto-debit mandate2 letters
- Undated cheque1 letters
- Cheque / Personal Guarantee1 letters
- Cheque ×3, Personal Guarantee ×3, auto-debit mandate ×2, Undated cheque ×1, Cheque / Personal Guarantee ×1
What borrowers ask about Fixdot Fintech
- What does Fixdot Fintech lend?
- Fixdot Fintech writes purchase invoice discounting, sales invoice discounting.
- What are Fixdot Fintech'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 Fixdot Fintech ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · Escrow Of Cashflows (50%) · FD margin 15–20% (50%).
- How do I apply to Fixdot Fintech?
- You do not apply to Fixdot Fintech directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Fixdot Fintech's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Fixdot Fintech 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 Fixdot Fintech 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 Fixdot Fintech
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 Fixdot Fintech is the right lender for you
A few questions. Recur Market scores you against Fixdot Fintech and the rest of the panel, on each lender's own recorded criteria.
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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 Fixdot Fintech's current policy. Terms are set by the lender at the time of sanction.