# Jil Finance business loans

> Jil Finance is on Recur Club's lender panel, writing loan against property.

Source: https://www.recurclub.com/lenders/jil-finance
Last updated: 2026-10-20

Also offered, with no terms observed yet: Loan Against Property.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · avoid: Banking, Financial Services, Insurance, Real Estate (non asset Light), Education and Training, Tourism and Hospitality · pan-India · sector-agnostic (46 sectors — full list in data JSON) · Private Limited, Public, Sole proprietorship, Limited Liability Partner
- Financials: debt/EBITDA ≤3 · debt/networth ≤3
- Deal: rate 10–14% · ticket ₹5–200cr · tenure 12–108mo (range across products — see matrix)
- Security (observed): 1st charge on immovable assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Security asked in 2026: 1st charge on immovable assets (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1)

## Common questions

### What does Jil Finance lend?

Jil Finance writes loan against property.

### What are Jil 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.

### What security does Jil Finance ask for?

Observed across sanctions: 1st charge on immovable assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%).

### How do I apply to Jil Finance?

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

### Is Jil Finance 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 Jil Finance 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 Jil Finance's current policy.