Lendable business loans
Lendable is on Recur Club's lender panel, writing 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
- avoidCementExplosivesArms and AmmunitionsGambling and BettingGems and JewelleryLottery BusinessMedia and EntertainmentMetals and MiningMining CompaniesMining EquipmentMining TechOil and Gas
- pan-India
- Private Limited, Public, Limited Liability Partner
- sector-agnostic (21 sectors — full list in data JSON)
- Financials: minimum annualrevenuegrowthrate: 10
16 more ▾ ▴
- rev ≥₹100cr
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- minimum assetsundermanagement: 400
- gross non performing assets: 3
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 10–16%
- ticket ₹20–340cr
- tenure 36–84mo
- Security (observed): 1st/pari-passu charge on current assets (100%)
- FD margin 15–20% (50%)
- Personal Guarantee Of Promoters/Directors (50%)
- Corporate Guarantee (50%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×3), FD margin 10–15% (×2), 2nd charge on current assets (×1), 1st charge on P&M (×1)
- Security asked in 2026: 1st/pari-passu charge on current assets (×2), FD margin 15–20% (×1), Personal Guarantee Of Promoters/Directors (×1), Corporate Guarantee (×1)
What Lendable 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 |
|---|
Also offered, with no terms observed yet: Secured Term Loan.
What borrowers ask about Lendable
- What does Lendable lend?
- Lendable writes secured term loan.
- What are Lendable'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 Lendable ask for?
- Observed across sanctions: 1st/pari-passu charge on current assets (100%) · FD margin 15–20% (50%) · Personal Guarantee Of Promoters/Directors (50%) · Corporate Guarantee (50%).
- How do I apply to Lendable?
- You do not apply to Lendable directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Lendable's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Lendable 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 Lendable screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.
Next steps after Lendable
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.
Registry identity, GST status, charges and ratings for any Indian company, including your own.
The underwriting platform these credit boxes come from. Built for lenders and credit teams.
Founder stories from the companies building in India, from the team behind Recur Club.
See whether Lendable is the right lender for you
A few questions. Recur Market scores you against Lendable 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 Lendable's current policy. Terms are set by the lender at the time of sanction.