# 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.

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

Also offered, with no terms observed yet: Loan Against Property, Sales Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- 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 · 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)

## Common questions

### 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.

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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 Ikf Finance's current policy.