# Mars Growth business loans

> Mars Growth is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/mars-growth
Last updated: 2026-10-20

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650
- Financials: runway ≥12mo · TOL/adjusted tangible net worth ≤5 · maximum runway: 999 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 10–15% · ticket ₹40–800cr · tenure 18–60mo
- Security (observed): 1st/pari-passu charge on current assets (100%) · 1st charge on immovable assets (50%) · Personal Guarantee Of Promoters/Directors (50%) · Immovable Fixed Assets - Pari Passu First Charge (50%) · Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (50%)
- Security asked in : 1st/pari-passu charge on current assets (×2), 1st charge on immovable assets (×1), Personal Guarantee Of Promoters/Directors (×1), Immovable Fixed Assets - Pari Passu First Charge (×1)

## Common questions

### What does Mars Growth lend?

Mars Growth writes secured term loan.

### What are Mars Growth'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 Mars Growth ask for?

Observed across sanctions: 1st/pari-passu charge on current assets (100%) · 1st charge on immovable assets (50%) · Personal Guarantee Of Promoters/Directors (50%) · Immovable Fixed Assets - Pari Passu First Charge (50%) · Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (50%).

### How do I apply to Mars Growth?

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

### Is Mars Growth 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 Mars Growth 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 Mars Growth's current policy.