What are Incofin'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.

How do I apply to Incofin?

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

Is Incofin 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 Incofin screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.

Lender profile

Incofin business loans

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Products live

— The screen your file has to clear

The screen your file has to clear

What is checked before anything else, and applies to every product below.

Behaviour & gates

Borrower: age ≥2y
CIBIL ≥650
avoid
Agriculture and Allied IndustriesAuto ComponentsAutomobilesAviationBankingBiotechnologyCementChemicalsConsumer DurablesDefence ManufacturingE-CommerceEducation and Training
pan-India
Private Limited, Public
positive sector: Financial Services, Insurance

10 more ▾

Financials: runway ≥12mo
TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
minimum assetsundermanagement: 500
debt/networth ≤4
DSCR ≥1
Deal: rate 12–16%
ticket ₹9–50cr
tenure 0–36mo
Security: 1st/pari-passu charge on current assets

— Common questions

What borrowers ask about Incofin

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

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Last updated 20 October 2026

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 Incofin's current policy. Terms are set by the lender at the time of sanction.