Jiraaf Platform business loans
Jiraaf Platform is on Recur Club's lender panel, writing sales 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.
- Borrower: CIBIL ≥650
- age ≥2y (secured term loan only)
- pan-India
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
12 more ▾ ▴
- DSCR ≥1
- runway ≥12mo (secured term loan only)
- rev ≥₹200cr (secured term loan only)
- minimum assetsundermanagement: 500 (secured term loan only)
- Deal: rate 13–20% (range across products — see matrix)
- ticket ₹1–20cr (range across products — see matrix)
- tenure 12–36mo (range across products — see matrix)
- Security (observed): Personal Guarantee Of Promoters/Directors (100%)
- 1st/pari-passu charge on current assets (100%)
- FD margin 5–10% (50%)
- Security asked in : 1st/pari-passu charge on current assets (×1), Escrow Of Cashflows (×1)
- Security asked in : Personal Guarantee Of Promoters/Directors (×2), 1st/pari-passu charge on current assets (×2), FD margin 5–10% (×1)
What Jiraaf Platform 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 |
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Also offered, with no terms observed yet: Sales Invoice Discounting, Secured Term Loan.
What borrowers ask about Jiraaf Platform
- What does Jiraaf Platform lend?
- Jiraaf Platform writes sales invoice discounting, secured term loan.
- What are Jiraaf Platform'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 Jiraaf Platform ask for?
- Observed across sanctions: Personal Guarantee Of Promoters/Directors (100%) · 1st/pari-passu charge on current assets (100%) · FD margin 5–10% (50%).
- What documents does Jiraaf Platform ask for?
- Most often gst / integration. Having these ready before the first call is what shortens the turnaround.
- How do I apply to Jiraaf Platform?
- You do not apply to Jiraaf Platform directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Jiraaf Platform's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
Next steps after Jiraaf Platform
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.
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See whether Jiraaf Platform is the right lender for you
A few questions. Recur Market scores you against Jiraaf Platform and the rest of the panel, on each lender's own recorded criteria.
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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 Jiraaf Platform's current policy. Terms are set by the lender at the time of sanction.