Infotel Finance business loans
Infotel Finance is on Recur Club's lender panel, writing distributor financing, purchase invoice discounting, secured term loan and 2 other products. Observed tickets run ₹20 lakh to ₹2 cr, priced between 14% and 22%. Median turnaround from application to disbursal is about 9 days.
- ✓Tickets from ₹20 L – ₹2 Cr across 5 products
- ✓Indicative pricing 14% – 22%, as quoted on live transactions
- ✓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
- maximum companyage: 25
- age ≥1y
- avoidBankingExplosivesArms and AmmunitionsFinancial ServicesGambling and BettingInsuranceLottery BusinessOthers
- Delhi, Maharashtra, Gujarat, Haryana, Uttar Pradesh
- sector-agnostic (52 sectors — full list in data JSON)
15 more ▾ ▴
- Private Limited, Sole proprietorship, Limited Liability Partner
- Financials: maximum annualrevenuegrowthrate: 100
- rev ≥₹25cr
- TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: tenure 12–24mo (range across products — see matrix)
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Security asked in : Personal Guarantee Of Promoters / Directors / Property Owner (×3), FD margin 5–10% (×2), 2nd charge on current assets (×2), Personal Guarantee Of Promoters/Directors (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×32), FD margin 10–15% (×15), FD margin 15–20% (×5), FD margin 5–10% (×5)
- share → in-principle approval (initial interest): ≈12d
- in-principle approval → sanction (underwriting): ≈0d
- sanction → disburse (closing): ≈1d
What Infotel Finance 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 |
|---|---|---|---|
Purchase Invoice Discounting▾Turnaround ~9d Rejects
Wins
19 more ▾ ▴
Behaviour & gates
3 more ▾ ▴
| ₹2 cr | 15.5–16% | 12 mo |
Unsecured Business Loan▾Turnaround ~20d Wins
6 more ▾ ▴
Behaviour & gates
| ₹0.2–2 cr | 14–22% | 12–24 mo |
Also offered, with no terms observed yet: Distributor Financing, Secured Term Loan, Vendor Financing.
What a sanction from Infotel Finance 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.
What borrowers ask about Infotel Finance
- What does Infotel Finance lend?
- Infotel Finance writes distributor financing, purchase invoice discounting, secured term loan, unsecured business loan, vendor financing. Across those, observed facilities run ₹20 lakh to ₹2 cr.
- What ticket size does Infotel Finance offer?
- Facilities observed on live transactions run from ₹20 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 Infotel Finance charge?
- Rates observed on live transactions fall between 14% and 22% a year. Tenures run 12 to 24 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
- How long does Infotel Finance take to disburse?
- About 9 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 Infotel Finance'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 Infotel Finance
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 Infotel Finance is the right lender for you
A few questions. Recur Market scores you against Infotel Finance 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 Infotel Finance's current policy. Terms are set by the lender at the time of sanction.