# Ibl Finance business loans

> Ibl Finance is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/ibl-finance
Last updated: 2026-10-20

Also offered, with no terms observed yet: Secured Term Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · Gujarat · positive sector: Financial Services
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · networth ≥₹5cr · debt/networth ≤4 · DSCR ≥1
- Deal: ticket ₹1–20cr
- Security (observed): 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Security asked in : 1st/pari-passu charge on current assets (×2), Personal Guarantee Of Promoters/Directors (×1), Corporate Guarantee (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1)
- Security asked in 2026: 1st/pari-passu charge on current assets (×3), Personal Guarantee Of Promoters / Directors / Property Owner (×3), Corporate Guarantee (×1)

## Common questions

### What does Ibl Finance lend?

Ibl Finance writes secured term loan.

### What are Ibl Finance'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 Ibl Finance ask for?

Observed across sanctions: 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%).

### How do I apply to Ibl Finance?

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

### Is Ibl Finance 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 Ibl Finance 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 Ibl Finance's current policy.