Jana Small business loans
Jana Small is on Recur Club's lender panel, writing purchase invoice discounting, secured term loan.
- ✓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.
- Borrowerage ≥3y (bank guaranteeloan against propertyoverdraft / cash creditpurchase invoice discountingsales invoice discountingworking capital demand loan)
- age ≥2y (secured term loan)
- CIBIL ≥650
- avoidExplosivesArms and AmmunitionsFinancial ServicesGambling and BettingGems and JewelleryInsuranceLottery BusinessTobacco Products (varies by product)
- Uttar Pradesh, Delhi, Haryana (varies by product)
- Private Limited, Public (varies by product)
19 more ▾ ▴
- sector-agnostic (38 sectors — full list in data JSON) (varies by product)
- Financials: EBITDA ≥₹10cr (varies by product)
- rev ≥₹300cr (bank guarantee, purchase invoice discounting, sales invoice discounting, working capital demand loan)
- rev ≥₹10cr (loan against property, overdraft / cash credit, secured term loan)
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- networth ≥₹5cr (varies by product)
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 9–16% (range across products — see matrix)
- ticket ₹3–100cr (range across products — see matrix)
- tenure 0–120mo (range across products — see matrix)
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 15–20% (50%)
- median ticket ₹10cr
- median rate 11.5%
- median turnaround —
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×4), FD margin 15–20% (×2), 1st/pari-passu charge on current assets (×1), Corporate Guarantee (×1)
What Jana Small 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 |
|---|
Also offered, with no terms observed yet: Purchase Invoice Discounting, Secured Term Loan.
What a sanction from Jana Small 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.
How often each clause appears
Share of the 4 sanction letters carrying the clause.
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
- Immovable property – commercial1 letters
- Promissory note1 letters
- Farm house / agricultural land1 letters
- Commercial cum Residential building1 letters
- Receivables / hypothecated assets1 letters
- Fixed Deposit1 letters
- Immovable property – commercial ×1, Promissory note ×1, Farm house / agricultural land ×1, Commercial cum Residential building ×1, Receivables / hypothecated assets ×1, Fixed Deposit ×1
What borrowers ask about Jana Small
- What does Jana Small lend?
- Jana Small writes purchase invoice discounting, secured term loan.
- What are Jana Small'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 Jana Small ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 15–20% (50%).
- How do I apply to Jana Small?
- You do not apply to Jana Small directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Jana Small's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Jana Small 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 Jana Small screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.
Next steps after Jana Small
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 Jana Small is the right lender for you
A few questions. Recur Market scores you against Jana Small 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 Jana Small's current policy. Terms are set by the lender at the time of sanction.