# Jiraaf Platform business loans

> Jiraaf Platform is on Recur Club's lender panel, writing sales invoice discounting, secured term loan.

Source: https://www.recurclub.com/lenders/jiraaf-platform
Last updated: 2026-10-20

Also offered, with no terms observed yet: Sales Invoice Discounting, Secured Term Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥2y (secured term loan only) · pan-India
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · 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)

## Common questions

### 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.

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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.