India Factors business loans
India Factors is on Recur Club's lender panel, writing domestic 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: CIBIL ≥650
- avoid: Gems and Jewellery, Real Estate (asset Light), Real Estate (non asset Light), Infrastructure, Trading
- pan-India
- sector-agnostic (42 sectors — full list in data JSON)
- Private Limited, Sole proprietorship, Public, Limited Liability Partner
- Financials: TOL/adjusted tangible net worth ≤5
10 more ▾ ▴
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 11.8–18%
- ticket ₹5–200cr
- tenure 3–12mo
- Security (observed): Escrow Of Cashflows (100%)
- Corporate Guarantee (50%)
- Security asked in : 1st/pari-passu charge on current assets (×1), Escrow Of Cashflows (×1), FD margin 5–10% (×1)
- Security asked in 2026: Escrow Of Cashflows (×2), Corporate Guarantee (×1)
What India Factors 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: Domestic Factoring.
What borrowers ask about India Factors
- What does India Factors lend?
- India Factors writes domestic factoring.
- What are India Factors'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 India Factors ask for?
- Observed across sanctions: Escrow Of Cashflows (100%) · Corporate Guarantee (50%).
- How do I apply to India Factors?
- You do not apply to India Factors directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against India Factors's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is India Factors 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 India Factors 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 India Factors
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 India Factors is the right lender for you
A few questions. Recur Market scores you against India Factors 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 India Factors's current policy. Terms are set by the lender at the time of sanction.