# Indiumplus Financial business loans

> Indiumplus Financial is on Recur Club's lender panel, writing unsecured business loan.

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

Also offered, with no terms observed yet: Unsecured Business Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: age ≥3y · CIBIL ≥650 · avoid: Explosives, Arms and Ammunitions, Financial Services, Gambling and Betting, Lottery Business, Real Estate (asset Light), Real Estate (non asset Light), Banking, Gems and Jewellery, Insurance, Infrastructure, Roads, Tobacco Products
- Financials: rev ≥₹2.5cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: ticket ₹0–1cr · no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Security asked in : 1st/pari-passu charge on current assets (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1), share pledge ≤51% (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×3), share pledge ≤51% (×1)

## Common questions

### What does Indiumplus Financial lend?

Indiumplus Financial writes unsecured business loan.

### What are Indiumplus Financial'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 Indiumplus Financial ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%).

### How do I apply to Indiumplus Financial?

You do not apply to Indiumplus Financial directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Indiumplus Financial's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.

### Is Indiumplus Financial 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 Indiumplus Financial 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 Indiumplus Financial's current policy.