# Godrej Capital business loans > Godrej Capital is on Recur Club's lender panel, writing dropline overdraft, purchase invoice discounting, sales invoice discounting and 1 other products. Observed tickets run ₹20 lakh to ₹2 cr, priced between 13.5% and 19%. Median turnaround from application to disbursal is about 10 days. Source: https://www.recurclub.com/lenders/godrej-capital Last updated: 2026-09-29 ## Products and indicative terms Observed on live transactions. Not an offer or a quote. | Product | Ticket | Rate | Tenure | |---|---|---|---| | Purchase Invoice Discounting | ₹2 cr | 13.5% | 12 mo | | Unsecured Business Loan | ₹0.2–0.5 cr | 16.5–19% | 24–48 mo | | Dropline Overdraft | - | - | - | Also offered, with no terms observed yet: Sales Invoice Discounting. ## Eligibility ### Will not fund - Won't fund Real Estate and Construction, Commodity Traders, Logistics, Transport Owners, Agri and Allied, Mining and Mining Products, Poultry and Livestock, Gems and Jewellery, Stockbrokers, or Manpower/Labour contractors - Financial services provider not doable - Styleque Universe: action pool cohort with topline of 5cr+ and more than 2 unsecured loans in last 6 months is not funded - Peppy Cartel: Segment C2/D applicants with unsecured loans >2 in last 6 months are strictly restricted due to high delinquency (applicant availed 3 loans in L6M) - Eliteeats Nutrifoods: CAT C2 segment not allowed under the LTS program - Arihant Enterprise: score-reject segment for key person Mr. Vikash Kumar Jain - Shri Ram Traders: CRIF score-reject segment with NTS profile not funded - Lekya Logistics: CAT D logistics profile is treated as NTS (not sanctioned) - Shri Ram Traders case is not doable (per discussion with Gaurav) - Case rejected by Godrej due to the company facing losses since inception - Case already got rejected as the company is facing losses since inception - "Case is not doable and won't be able to relook as Crif CAT E and seen multiple enquiries in last 3 months and have taken 4 usl's." - Case already logged in and rejected by Godrej in the previous month; cooling norms not met, so can't process again - Case rejected: '2 PL and 2 Credit card- Settled; Vintage: Actual operation started from Feb 26 onwards; Multiple Penny loan availed; Resi Cum office setup + Applicant Suhail + E series Pan card' - Restaurant profile with turnover less than 5 cr is not doable, treated as a cautious profile - Daffytel case is not logged in and is not doable (reason communicated via email) - Not for Sevenchef - Meat shop is NTS (not to sanction) - Not Hybrid product - Won't mortgage property outside a 50 km radius of Hyderabad - No loss-making entity - Won't fund any trusts and societies - No agri land accepted as collateral - Case not doable because customer's nature of business is Sub Civil Contractor, which is NTS (not to be sanctioned) at Godrej Capital ### Prefers - Godrej has added Secured TL # as an additional qualifying criterion for . - CLU (change-of-land-use) land can be taken as collateral - Lender has advised submitting maximum deals without excessive pre-filtering/restrictions - Only SIFT-offer Bill of Lading (BL) trade deals should be shared for Godrej's PEC (Pre-Export Credit) program - 10 unsecured business loan enquiries between June-October 2026 with only a single conversion, including 4 enquiries within days from 18th June - high enquiry velocity flagged - …more in playbook - Godrej has added Secured TL # as an additional qualifying criterion for . - CLU (change-of-land-use) land can be taken as collateral ### Screening gates and observed behaviour - Borrower: minimum bankingturnover: 1 (unsecured business loan only) · max usl90 plus dpd l6 m: 0 (unsecured business loan only) · age ≥2y (dropline overdraft, loan against property, unsecured business loan) · age ≥3y (distributor financing, purchase invoice discounting, sales invoice discounting, vendor financing) · maximum bankingturnover: 300 (unsecured business loan only) · CIBIL ≥700 (cohort ≈728) (unsecured business loan) · CIBIL ≥650 (distributor financing, dropline overdraft, loan against property, purchase invoice discounting, sales invoice discounting, vendor financing) · maximum companyage: 50 (unsecured business loan only) · max new ubl l3 m: 2 (unsecured business loan only) · max od cc utilisation: 99 (unsecured business loan only) · max usl enquiries l6 m: 25 (unsecured business loan only) · max director current overdue usl l3 m: 0 (unsecured business loan only) · max nach cheque bounces l6 m: 0 (unsecured business loan) · max nach cheque bounces l6 m: 2 (distributor financing, purchase invoice discounting, sales invoice discounting, vendor financing) · max usl enquiries l3 m: 15 (unsecured business loan only) · avg bank balance: 0.01 (unsecured business loan only) · max nach cheque bounces l3 m: 0 (unsecured business loan only) · max usl0 plus dpd l3 m: 0 (unsecured business loan only) · avoid: Gambling and Betting, Insurance, Tobacco Products (varies by product) · Private Limited, Sole proprietorship, Limited Liability Partner (varies by product) · Delhi, Haryana, Telangana, Uttar Pradesh (varies by product) · sector-agnostic (34 sectors — full list in data JSON) (varies by product) - Financials: runway ≥12mo (varies by product) · maximum tradereceivables: 120 (varies by product) · exisiting debt: 25 (varies by product) · rev ≥₹100cr (purchase invoice discounting, sales invoice discounting) · rev ≥₹20cr (dropline overdraft, loan against property) · rev ≥₹500cr (distributor financing, vendor financing) · TOL/adjusted tangible net worth ≤4 (distributor financing, purchase invoice discounting, sales invoice discounting, vendor financing) · TOL/adjusted tangible net worth ≤5 (dropline overdraft, loan against property) · debt/EBITDA ≤4 (dropline overdraft, loan against property, purchase invoice discounting) · debt/EBITDA ≤3 (distributor financing, sales invoice discounting, vendor financing) · maximum workingcapitalgap: 120 (varies by product) · debt/networth ≤3 (distributor financing, purchase invoice discounting, sales invoice discounting, vendor financing) · debt/networth ≤4 (dropline overdraft, loan against property) · DSCR ≥1.2 (distributor financing, purchase invoice discounting, sales invoice discounting, vendor financing) · DSCR ≥1 (dropline overdraft, loan against property) · maximum tradepayables: 120 (distributor financing, sales invoice discounting) · maximum tradepayables: 90 (vendor financing) - Deal: rate 9–24% (range across products — see matrix) · ticket ₹0–15cr (range across products — see matrix) · tenure 0–180mo (range across products — see matrix) · no PEP - Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) - median ticket ₹0.5cr - median rate 18% - median turnaround 10d - Security asked in : Immovable Fixed Assets - Pari Passu First Charge (×1), Escrow Of Cashflows (×1), Personal Guarantee Of Promoters/Directors (×1) - Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×24), FD margin 15–20% (×9), FD margin 10–15% (×7), 1st charge on immovable assets (×1) - share → in-principle approval (initial interest): ≈6d - in-principle approval → sanction (underwriting): ≈0d - sanction → disburse (closing): ≈5d ## Sanctioned terms (from 38 real sanction letters) ### Sanctioned amount: median ₹35L (₹10L–₹3 cr) · NEW ×7 - median ₹35L (₹10L–₹3 cr) · NEW ×7 ### Typical security: Immovable Property (Residential Flat) ×1, Residential Flat/Property ×1, Cheques/UDC ×1, Fixed Deposit ×1, auto-debit mandate ×1 - Immovable Property (Residential Flat) ×1, Residential Flat/Property ×1, Cheques/UDC ×1, Fixed Deposit ×1, auto-debit mandate ×1 ### Typical covenants: - Other standing covenants — 32% of letters (e.g. "Borrower must maintain sufficient balance in the bank account at least a day prior to the instalment presentation date; any change in mailing address, phone num…") - Other standing covenants — 32% of letters (e.g. "Borrower must maintain sufficient balance in the bank account at least a day prior to the instalment presentation date; any change in mailing address, phone num…") ### Term sheet by ticket size: (facilities, largest first) - (facilities, largest first) ## Common questions ### What does Godrej Capital lend? Godrej Capital writes dropline overdraft, purchase invoice discounting, sales invoice discounting, unsecured business loan. Across those, observed facilities run ₹20 lakh to ₹2 cr. ### What ticket size does Godrej Capital offer? Facilities observed on live transactions run from ₹20 lakh to ₹2 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for. ### What rate does Godrej Capital charge? Rates observed on live transactions fall between 13.5% and 19% a year. Tenures run 12 to 48 months. These are observed figures, not a quote, and the rate you are offered depends on your file. ### How long does Godrej Capital take to disburse? About 10 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it. ### What are Godrej Capital's eligibility criteria? The first screen is the bureau: a borrower CIBIL of at least 700. 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. --- Check which lenders fund a business like yours: https://www.recurclub.com/recur-market All lenders: https://www.recurclub.com/lenders 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 Godrej Capital's current policy.