Ikf Finance business loans
Ikf Finance is on Recur Club's lender panel, writing loan against property, sales invoice discounting, secured term loan and 1 other products.
- ✓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: Financial Services
- Andhra Pradesh, Goa, Gujarat, Karnataka, Maharashtra, Tamil Nadu, Telangana, Madhya Pradesh, Rajasthan
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
9 more ▾ ▴
- DSCR ≥1
- Deal: rate 16–20%
- ticket ₹2–5cr
- tenure 12–60mo
- Security (observed): Personal Guarantee Of Promoters/Directors (100%)
- 1st/pari-passu charge on current assets (100%)
- Corporate Guarantee (100%)
- Security asked in : 1st/pari-passu charge on current assets (×1), Fixed Deposit <5% (×1), FD margin 5–10% (×1), FD margin 10–15% (×1)
- Security asked in : Personal Guarantee Of Promoters/Directors (×1), 1st/pari-passu charge on current assets (×1), Corporate Guarantee (×1)
What Ikf Finance 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 |
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Also offered, with no terms observed yet: Loan Against Property, Sales Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.
What borrowers ask about Ikf Finance
- What does Ikf Finance lend?
- Ikf Finance writes loan against property, sales invoice discounting, secured term loan, working capital demand loan.
- What are Ikf 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 Ikf Finance ask for?
- Observed across sanctions: Personal Guarantee Of Promoters/Directors (100%) · 1st/pari-passu charge on current assets (100%) · Corporate Guarantee (100%).
- How do I apply to Ikf Finance?
- You do not apply to Ikf Finance directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Ikf Finance's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Ikf 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 Ikf 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.
Next steps after Ikf Finance
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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See whether Ikf Finance is the right lender for you
A few questions. Recur Market scores you against Ikf Finance and the rest of the panel, on each lender's own recorded criteria.
Check my matchLast updated
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 Ikf Finance's current policy. Terms are set by the lender at the time of sanction.