# Flexiloans Technologies business loans

> Flexiloans Technologies is on Recur Club's lender panel, writing purchase invoice discounting, sales invoice discounting, unsecured business loan.

Source: https://www.recurclub.com/lenders/flexiloans-technologies
Last updated: 2026-10-20

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: max usl enquiries l6 m: 20 (unsecured business loan only) · minimum bankingturnover: .02 (unsecured business loan only) · suit filed: No (unsecured business loan only) · max usl90 plus dpd l6 m: 0 (unsecured business loan only) · age ≥1y (unsecured business loan only) · wilful defaulter: No (unsecured business loan only) · CIBIL ≥650 · max ongoing ubl count: 4 (unsecured business loan only) · avg bank balance: .0015 (unsecured business loan only) · revenue from related parties: 0 (unsecured business loan only) · avoid: Engineering, Procurement, and Construction (EPC), Agriculture and Allied Industries (varies by product) · Private Limited, Sole proprietorship, Limited Liability Partner (varies by product)
- Financials: rev ≥₹0.2cr (unsecured business loan) · rev ≥₹100cr (purchase invoice discounting, sales invoice discounting) · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · DSCR ≥1 · debt/networth ≤4 · runway ≥18mo (purchase invoice discounting, sales invoice discounting only) · networth ≥₹20cr (purchase invoice discounting, sales invoice discounting only)
- Deal: rate 13.5–16% · ticket ₹0–3cr (range across products — see matrix) · tenure 12–12mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- median ticket ₹1cr
- median rate 18%
- median turnaround —
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×19), Escrow Of Cashflows (×9), Corporate Guarantee (×6), FD margin 10–15% (×5)
- share → in-principle approval (initial interest): ≈21d

## Common questions

### What does Flexiloans Technologies lend?

Flexiloans Technologies writes purchase invoice discounting, sales invoice discounting, unsecured business loan.

### What are Flexiloans Technologies'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 Flexiloans Technologies ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%).

### What documents does Flexiloans Technologies ask for?

Most often cash balance. Having these ready before the first call is what shortens the turnaround.

### How do I apply to Flexiloans Technologies?

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

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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 Flexiloans Technologies's current policy.