What does Indifi Technologies lend?

Indifi Technologies writes distributor financing, dropline overdraft, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan and 3 further products. Across those, observed facilities run ₹10 lakh to ₹2 cr.

What ticket size does Indifi Technologies offer?

Facilities observed on live transactions run from ₹10 lakh to ₹2 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

What rate does Indifi Technologies charge?

Rates observed on live transactions fall between 15.5% and 19.8% a year. Tenures run 6 to 36 months. These are observed figures, not a quote, and the rate you are offered depends on your file.

How long does Indifi Technologies take to disburse?

About 12 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.

What are Indifi Technologies'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.

Lender profile

Indifi Technologies business loans

Indifi Technologies is on Recur Club's lender panel, writing distributor financing, dropline overdraft, overdraft / cash credit and 6 other products. Observed tickets run ₹10 lakh to ₹2 cr, priced between 15.5% and 19.8%. Median turnaround from application to disbursal is about 12 days.

✓Tickets from ₹10 L – ₹2 Cr across 10 products
✓Indicative pricing 15.5% – 19.8%, as quoted on live transactions
✓We check your fit against every lender on the panel, not just this one

Check your fit →See a typical term sheet

Products live

₹1 Cr

Median sanction

Sanction letters read

— Which arm you land with

2 lenders under one brand

They share a screening philosophy but not a book. Which one your file goes to depends on what you are borrowing against.

Indifi Technologies Private Limited

Behaviour & gates

Borrower: CIBIL ≥650
age ≥3y (purchase invoice discounting, sales invoice discounting only)
avoid
Gambling and BettingTobacco ProductsExplosivesArms and AmmunitionsGems and JewelleryLottery Business (varies by product)
Private Limited, Sole proprietorship, Limited Liability Partner, Public
sector-agnostic (39 sectors — full list in data JSON) (varies by product)
Financials: EBITDA ≥₹-25cr (varies by product)

21 more ▾

runway ≥6mo (dropline overdraft, unsecured business loan)
runway ≥12mo (purchase invoice discounting, sales invoice discounting)
exisiting debt: 35
rev ≥₹3cr (dropline overdraft, unsecured business loan)
rev ≥₹100cr (sales invoice discounting)
TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
maximum annualrevenue: 300 (dropline overdraft, sales invoice discounting, unsecured business loan only)
debt/networth ≤4
DSCR ≥1
Deal: rate 14–24% (range across products — see matrix)
ticket ₹0–3cr (range across products — see matrix)
tenure 0–48mo (range across products — see matrix)
no PEP
Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
Security asked in : 1st/pari-passu charge on current assets (×1), FD margin 20–30% (×1), FD margin 30–40% (×1), FD margin 40–50% (×1)
Security asked in : Personal Guarantee Of Promoters / Directors / Property Owner (×11), Personal Guarantee Of Promoters/Directors (×2), FD margin 5–10% (×2), 1st/pari-passu charge on current assets (×2)
Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×54), FD margin 10–15% (×13), Escrow Of Cashflows (×5), FD margin 5–10% (×5)
share → in-principle approval (initial interest): ≈13d
in-principle approval → sanction (underwriting): ≈8d
sanction → disburse (closing): ≈1d

Indifi Capital Private Limited

Rejects

Negative industries - Steel, Gems, Marine, Real Estate, EPC, Tobacco
Won't fund (stated policy): Steel
Gems and Jewellery
Real Estate (non asset Light)

7 more ▾

Engineering, Procurement, and Construction (EPC)
Tobacco Products
Selective / conditional (stated policy): Steel
Gems and Jewellery
Real Estate (non asset Light)
Engineering, Procurement, and Construction (EPC)
Tobacco Products

Behaviour & gates

Borrower: age ≥3y (purchase invoice discounting, sales invoice discounting)
age ≥1y (distributor financing, vendor financing)
CIBIL ≥650
avoid
SteelGems and JewelleryOthersReal Estate (asset Light)Real Estate (non asset Light)EngineeringProcurementand Construction (EPC)Tobacco ProductsBankingExplosivesArms and Ammunitions
pan-India
Private Limited, Public, Sole proprietorship, Limited Liability Partner

17 more ▾

sector-agnostic (39 sectors — full list in data JSON)
Financials: runway ≥12mo
rev ≥₹50cr (purchase invoice discounting, sales invoice discounting)
rev ≥₹100cr (distributor financing, vendor financing)
TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
debt/networth ≤4
DSCR ≥1
Deal: rate 15–18%
ticket ₹0–15cr (range across products — see matrix)
tenure 0–12mo
Security (observed): FD margin 10–15% (100%)
Personal Guarantee Of Promoters / Directors / Property Owner (100%)
Security asked in 2026: FD margin 10–15% (×16), Personal Guarantee Of Promoters / Directors / Property Owner (×16), FD margin 15–20% (×3), Corporate Guarantee (×3)
share → in-principle approval (initial interest): ≈14d
in-principle approval → sanction (underwriting): ≈17d
sanction → disburse (closing): ≈1d

— Products & indicative terms

What Indifi Technologies 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	Arm
Purchase Invoice Discounting▾▴ Turnaround ~56d Rejects Negative sectors SteelGems and JewelleryOthersReal Estate (asset Light)Real Estate (non asset Light)EngineeringProcurementand Construction (EPC)Tobacco ProductsBankingExplosivesArms and Ammunitions Wins Director overdue: 0.001 INR Cr Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner Min company age (yr): 3 Years Director CIBIL: 650 17 more ▾ ▴ Min EBITDA (₹cr): 0 Min Runway: 12 Months Exisiting Debt: 35 % Debt / EBITDA: 4 Min Networth: 0 INR Cr Debt / Net worth: 4 Debt Service Coverage Ratio: 1 Offered terms (past deals): rate 18–18–18% ₹0.3–0.3–0.3 Cr 12–12–12 mo _(excl. 1 multi-product deal — no per-product split on record)_ Turnaround: ≈56 days (share→disburse) Asks for Bank statements (×3) Asks for Audited financials (×1) Asks for Debt schedule / sanction letters (×1) Asks for GST / integration (×1) Asks for Provisional financials (×1) Asks for Term sheet (×1) Behaviour & gates Min tenure (mo): 0 Months Min ticket (₹cr): 0 Max tenure (mo): 12 Months Min rate (%): 14 Max ticket (₹cr): 2 Security required: ['Fixed Deposit 10 - 15%'] 4 more ▾ ▴ Max rate (%): 18 rate — stated 14–18%, actually offered 18–18% → within stated band Amount — stated 0–2 Cr, actually offered 0.3–0.3 Cr → within stated band Tenure — stated 0–12 mo, actually offered 12–12 mo → within stated band	₹0.3 cr	18%	12 mo	Indifi Technologies
Secured Term Loan▾▴ Turnaround ~130d Behaviour & gates Offered terms (past deals): rate 18–18.2–18.5% ₹0.5–0.5–0.5 Cr 12–18–24 mo Turnaround: ≈130 days (share→disburse)	₹0.5 cr	18–18.5%	12–24 mo	Indifi Technologies
Unsecured Business Loan▾▴ Turnaround ~23d Rejects Negative sectors Gambling and BettingTobacco ProductsExplosivesArms and AmmunitionsServices for Mining IndustryMining CompaniesGems and JewelleryLottery BusinessTextiles Wins Director overdue: 0.001 INR Cr Director CIBIL: 650 Company types: Private Limited, Sole proprietorship, Limited Liability Partner, Public Min EBITDA (₹cr): -25 22 more ▾ ▴ Min Runway: 6 Months Exisiting Debt: 35 % Min revenue (₹cr): 3 Debt / EBITDA: 4 Max revenue (₹cr): 300 Debt / Net worth: 4 Debt Service Coverage Ratio: 1 Offered terms (past deals): rate 15.5–18.5–19.8% ₹0.1–0.5–2 Cr 6–12–36 mo _(excl. 1 multi-product deal — no per-product split on record)_ Turnaround: ≈23 days (share→disburse) Asks for GST / integration (×53) Asks for Bank statements (×37) Asks for Debt schedule / sanction letters (×19) Asks for Cap table / equity (×18) Asks for Term sheet (×13) Asks for Provisional financials (×9) Asks for Receivable/inventory ageing (×5) Asks for Audited financials (×4) Asks for Legal / KYC (×4) Asks for Cash balance (×3) Asks for Revenue/vertical breakup (×2) Behaviour & gates Min tenure (mo): 3 Months Min ticket (₹cr): 0.1 Max tenure (mo): 48 Months Min rate (%): 15 Politically Exposed Person: No Max ticket (₹cr): 3 4 more ▾ ▴ Max rate (%): 24 rate — stated 15–24%, actually offered 15.5–19.8% → within stated band Amount — stated 0.1–3 Cr, actually offered 0.1–2 Cr → within stated band Tenure — stated 3–48 mo, actually offered 6–36 mo → within stated band	₹0.1–2 cr	15.5–19.8%	6–36 mo	Indifi Technologies
Purchase Invoice Discounting▾▴ Turnaround ~12d Rejects Negative sectors SteelGems and JewelleryOthersReal Estate (asset Light)Real Estate (non asset Light)EngineeringProcurementand Construction (EPC)Tobacco ProductsBankingExplosivesArms and Ammunitions Wins Director overdue: 0.001 INR Cr States: pan-India Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner Min company age (yr): 3 Years 14 more ▾ ▴ Director CIBIL: 650 Min EBITDA (₹cr): 0 Min Runway: 12 Months Min revenue (₹cr): 50 Debt / EBITDA: 4 Min Networth: 0 INR Cr Debt / Net worth: 4 Debt Service Coverage Ratio: 1 Offered terms (past deals): rate 15.5–15.5–15.5% ₹2–2–2 Cr 15–15–15 mo Turnaround: ≈12 days (share→disburse) Asks for Bank statements (×5) Asks for Term sheet (×1) Behaviour & gates Min tenure (mo): 0 Months Min ticket (₹cr): 0 Max tenure (mo): 12 Months Min rate (%): 15 Max ticket (₹cr): 2 Security required: ['Fixed Deposit 10 - 15%'] 4 more ▾ ▴ Max rate (%): 18 rate — stated 15–18%, actually offered 15.5–15.5% → within stated band Amount — stated 0–2 Cr, actually offered 2–2 Cr → within stated band Tenure — stated 0–12 mo, actually offered 15–15 mo → exceeded stated ceiling	₹2 cr	15.5%	15 mo	Indifi Capital

Also offered, with no terms observed yet: Dropline Overdraft, Overdraft / Cash Credit, Sales Invoice Discounting, Working Capital Demand Loan, Distributor Financing, Vendor Financing.

— Typical term sheet

What a sanction from Indifi Technologies actually looks like

Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.

Specimen sanction

Representative of the median file. Your actual terms will move with rating, security cover and relationship.

Indicative

How often each clause appears

Share of the 7 sanction letters carrying the clause.

Other standing covenants71%

— Security & covenants

What they will ask you to pledge

Counted across the sanction letters read. A combination is normal, and most files carry more than one.

Indifi Capital Private Limited

Repayment Instruments2 letters
Repayment Instruments (cheques/PDCs)2 letters

Repayment Instruments ×2, Repayment Instruments (cheques/PDCs) ×2

— Common questions

What borrowers ask about Indifi Technologies

What does Indifi Technologies lend?: Indifi Technologies writes distributor financing, dropline overdraft, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan and 3 further products. Across those, observed facilities run ₹10 lakh to ₹2 cr.
What ticket size does Indifi Technologies offer?: Facilities observed on live transactions run from ₹10 lakh to ₹2 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does Indifi Technologies charge?: Rates observed on live transactions fall between 15.5% and 19.8% a year. Tenures run 6 to 36 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
How long does Indifi Technologies take to disburse?: About 12 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
What are Indifi Technologies'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.

Next steps after Indifi Technologies

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Last updated 6 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 Indifi Technologies's current policy. Terms are set by the lender at the time of sanction.