Incomlend business loans
Incomlend is on Recur Club's lender panel, writing export financing, import factoring.
- ✓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: age ≥2y
- Financials: EBITDA ≥₹4cr
- rev ≥₹10cr (export financing)
- rev ≥₹300cr (import factoring)
- Deal: rate 9.5–12%
- ticket ₹1–50cr (range across products — see matrix)
4 more ▾ ▴
- tenure 12–12mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×2)
- share → in-principle approval (initial interest): ≈5d
What Incomlend 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 |
|---|
Also offered, with no terms observed yet: Export Financing, Import Factoring.
What borrowers ask about Incomlend
- What does Incomlend lend?
- Incomlend writes export financing, import factoring.
- What security does Incomlend ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%).
- What documents does Incomlend ask for?
- Most often legal / kyc, provisional financials. Having these ready before the first call is what shortens the turnaround.
- How do I apply to Incomlend?
- You do not apply to Incomlend directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Incomlend's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Incomlend 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 Incomlend 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 Incomlend
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.
Registry identity, GST status, charges and ratings for any Indian company, including your own.
The underwriting platform these credit boxes come from. Built for lenders and credit teams.
Founder stories from the companies building in India, from the team behind Recur Club.
See whether Incomlend is the right lender for you
A few questions. Recur Market scores you against Incomlend 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 Incomlend's current policy. Terms are set by the lender at the time of sanction.