# India Factors business loans

> India Factors is on Recur Club's lender panel, writing domestic factoring.

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

Also offered, with no terms observed yet: Domestic Factoring.

## Eligibility

### Screening gates and observed behaviour

- 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 · 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)

## Common questions

### 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.

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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 India Factors's current policy.