# Incomlend business loans

> Incomlend is on Recur Club's lender panel, writing export financing, import factoring.

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

Also offered, with no terms observed yet: Export Financing, Import Factoring.

## Eligibility

### Screening gates and observed behaviour

- 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) · 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

## Common questions

### 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.

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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 Incomlend's current policy.