# Investec Credit business loans > Investec Credit is on Recur Club's lender panel, writing secured term loan. Source: https://www.recurclub.com/lenders/investec-credit Last updated: 2026-10-20 Also offered, with no terms observed yet: Secured Term Loan. ## Eligibility - INVESTEC CREDIT FINANCE PRIVATE LIMITED ### Screening gates and observed behaviour - Borrower: age ≥2y · wilful defaulter: No · revenue from related parties: 10 · avoid: Agriculture and Allied Industries, Auto Components, Automobiles, Aviation, Banking, Biotechnology, Cement, Chemicals, Consumer Durables, Defence Manufacturing, E-Commerce, Education and Training, Electric Vehicle, Electronics System Design & Manufacturing, Engineering and Capital Goods, Engineering, Procurement, and Construction (EPC), Explosives, Arms and Ammunitions, Financial Services, FMCG, Food Processing, Gambling and Betting, Gems and Jewellery, Healthcare, Infrastructure, Insurance, Lottery Business, Manufacturing, Media and Entertainment, Medical Devices, Metals and Mining, Mining Companies, Mining Equipment, Mining Tech, Oil and Gas, Others, Paper & Packaging, Pharmaceuticals, Ports, Power, Railways, Renewable Energy, Retail (Consumer Goods), Roads, SaaS, Science and Technology, Services, Services for Mining Industry, Steel, Tech Services, Telecommunications, Textiles, Tobacco Products, Tourism and Hospitality, Trading, Real Estate (asset Light) · pan-India · Private Limited, Limited Liability Partner, Public · positive sector: Real Estate (non asset Light) - Financials: runway ≥12mo · rev ≥₹150cr · TOL/adjusted tangible net worth ≤4 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1.1 - Deal: tenure 12–48mo - Security (observed): share pledge ≤51% (100%) · 1st charge on immovable assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%) - Security asked in 2026: share pledge ≤51% (×1), 1st charge on immovable assets (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1) ## Eligibility - INVESTEC GLOBAL SERVICES (INDIA) PRIVATELIMITED ### Screening gates and observed behaviour - Borrower: CIBIL ≥650 · Maharashtra - Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1 - Deal: rate 13–16% · ticket ₹100–400cr · tenure 36–72mo - Security (observed): 1st/pari-passu charge on current assets (100%) · FD margin 15–20% (100%) · Personal Guarantee Of Promoters/Directors (100%) - Security asked in : 1st/pari-passu charge on current assets (×1), FD margin 15–20% (×1), Personal Guarantee Of Promoters/Directors (×1) ## Common questions ### What does Investec Credit lend? Investec Credit writes secured term loan. ### What are Investec Credit'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 Investec Credit ask for? Observed across sanctions: share pledge ≤51% (100%) · 1st charge on immovable assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%). ### How do I apply to Investec Credit? You do not apply to Investec Credit directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Investec Credit's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached. ### Is Investec Credit 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 Investec Credit screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time. --- Check which lenders fund a business like yours: https://www.recurclub.com/recur-market All lenders: https://www.recurclub.com/lenders 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 Investec Credit's current policy.