# Fixdot Fintech business loans

> Fixdot Fintech is on Recur Club's lender panel, writing purchase invoice discounting, sales invoice discounting.

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

Also offered, with no terms observed yet: Purchase Invoice Discounting, Sales Invoice Discounting.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · avoid: Infrastructure, Real Estate (non asset Light) · pan-India
- Financials: runway ≥12mo · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · 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)

## Sanctioned terms (from 6 real sanction letters)

### Sanctioned amount: median ₹5 cr (₹2.5 cr–₹7 cr) · NEW ×2 · ADHOC ×1 · ENHANCEMENT ×1

- median ₹5 cr (₹2.5 cr–₹7 cr) · NEW ×2 · ADHOC ×1 · ENHANCEMENT ×1

### Typical security: Cheque ×3, Personal Guarantee ×3, auto-debit mandate ×2, Undated cheque ×1, Cheque / Personal Guarantee ×1

- Cheque ×3, Personal Guarantee ×3, auto-debit mandate ×2, Undated cheque ×1, Cheque / Personal Guarantee ×1

### Typical covenants: - Other standing covenants — 67% of letters

- Other standing covenants — 67% of letters

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

- (facilities, largest first)

## Common questions

### 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.

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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.