# 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.

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

## Products and indicative terms

Observed on live transactions. Not an offer or a quote.

| Product | Ticket | Rate | Tenure |
|---|---|---|---|
| Sales Invoice Discounting | - | - | - |

Also offered, with no terms observed yet: Purchase Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥2y · pan-India
- Financials: rev ≥₹200cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · 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

## Common questions

### 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.

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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 Kredx Platform's current policy.