# Kredstone Capital business loans

Source: https://www.recurclub.com/lenders/kredstone-capital
Last updated: 2026-10-20

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · avoid: Trading, Real Estate (asset Light), Real Estate (non asset Light) · Andhra Pradesh · Private Limited, Public, Limited Liability Partner · sector-agnostic (50 sectors — full list in data JSON)
- Financials: EBITDA ≥₹5cr · runway ≥12mo · rev ≥₹15cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · maximum annualrevenue: 1000 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 15–20% · ticket ₹3–30cr · tenure 12–36mo
- Security: 1st charge on immovable assets · 1st/pari-passu charge on current assets · FD margin 15–20% · FD margin 20–30% · share pledge ≤51%

## Common questions

### What are Kredstone Capital'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.

### How do I apply to Kredstone Capital?

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

### Is Kredstone Capital 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 Kredstone Capital 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 Kredstone Capital's current policy.