Kredx Platform business loans
Kredx Platform is on Recur Club's lender panel, writing purchase invoice discounting, sales invoice discounting, secured term loan and 1 other products. Median turnaround from application to disbursal is about 205 days.
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The screen your file has to clear
What is checked before anything else, and applies to every product below.
- Borrower: CIBIL ≥650
- age ≥2y
- pan-India
- Financials: rev ≥₹200cr
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
13 more ▾ ▴
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 10–16%
- ticket ₹1–1000cr
- tenure 12–12mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 10–15% (100%)
- Security asked in : 1st/pari-passu charge on current assets (×2), Escrow Of Cashflows (×2), Personal Guarantee Of Promoters/Directors (×1), Fixed Deposit <5% (×1)
- Security asked in : FD margin 10–15% (×2), FD margin 20–30% (×2), Personal Guarantee Of Promoters/Directors (×2), 1st/pari-passu charge on current assets (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×3), FD margin 10–15% (×3)
- share → in-principle approval (initial interest): ≈33d
- in-principle approval → sanction (underwriting): ≈109d
- sanction → disburse (closing): ≈63d
What Kredx 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, Purchase Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.
What borrowers ask about Kredx Platform
- What does Kredx Platform lend?
- Kredx Platform writes purchase invoice discounting, sales invoice discounting, secured term loan, working capital demand loan.
- How long does Kredx Platform take to disburse?
- About 205 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
- What are Kredx 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 Kredx Platform ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (100%).
- How do I apply to Kredx Platform?
- You do not apply to Kredx Platform directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Kredx 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 Kredx 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 Kredx Platform is the right lender for you
A few questions. Recur Market scores you against Kredx Platform 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 Kredx Platform's current policy. Terms are set by the lender at the time of sanction.