Michael and Susan business loans
Michael and Susan is on Recur Club's lender panel, writing sales invoice discounting, 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
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 9–18%
16 more ▾ ▴
- ticket ₹10–30cr
- tenure 12–48mo
- Security (observed): Escrow Of Cashflows (100%)
- Personal Guarantee Of Promoters/Directors (50%)
- 1st/pari-passu charge on current assets (50%)
- Fixed Deposit <5% (50%)
- FD margin 5–10% (50%)
- FD margin 10–15% (50%)
- FD margin 15–20% (50%)
- FD margin 20–30% (50%)
- FD margin 30–40% (50%)
- FD margin 40–50% (50%)
- Commercial/Office Property/Factory Building - Exclusive First Charge (50%)
- Corporate Guarantee (50%)
- Warrants >10% (50%)
- Security asked in : Escrow Of Cashflows (×2), Personal Guarantee Of Promoters/Directors (×1), 1st/pari-passu charge on current assets (×1), Fixed Deposit <5% (×1)
What Michael and Susan 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, Secured Term Loan.
What borrowers ask about Michael and Susan
- What does Michael and Susan lend?
- Michael and Susan writes sales invoice discounting, secured term loan.
- What are Michael and Susan'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 Michael and Susan ask for?
- Observed across sanctions: Escrow Of Cashflows (100%) · Personal Guarantee Of Promoters/Directors (50%) · 1st/pari-passu charge on current assets (50%) · Fixed Deposit <5% (50%) · FD margin 5–10% (50%) · FD margin 10–15% (50%) · FD margin 15–20% (50%) · FD margin 20–30% (50%) · FD margin 30–40% (50%) · FD margin 40–50% (50%) · Commercial/Office Property/Factory Building - Exclusive First Charge (50%) · Corporate Guarantee (50%) · Warrants >10% (50%).
- How do I apply to Michael and Susan?
- You do not apply to Michael and Susan directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Michael and Susan's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Michael and Susan 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 Michael and Susan 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 Michael and Susan
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 Michael and Susan is the right lender for you
A few questions. Recur Market scores you against Michael and Susan and the rest of the panel, on each lender's own recorded criteria.
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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 Michael and Susan's current policy. Terms are set by the lender at the time of sanction.