# LGT Wealth business loans

> LGT Wealth is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/lgt-wealth
Last updated: 2026-10-20

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · avoid: Real Estate (asset Light), Real Estate (non asset Light), Engineering, Procurement, and Construction (EPC) · Maharashtra
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 10–16% · ticket ₹25–150cr
- Security (observed): 1st/pari-passu charge on current assets (100%) · Corporate Guarantee (100%)
- Security asked in : 1st/pari-passu charge on current assets (×1), Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (×1), FD margin 20–30% (×1)
- Security asked in 2026: 1st/pari-passu charge on current assets (×1), Corporate Guarantee (×1)

## Common questions

### What does LGT Wealth lend?

LGT Wealth writes secured term loan.

### What are LGT Wealth'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 LGT Wealth ask for?

Observed across sanctions: 1st/pari-passu charge on current assets (100%) · Corporate Guarantee (100%).

### How do I apply to LGT Wealth?

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

### Is LGT Wealth 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 LGT Wealth 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 LGT Wealth's current policy.