Modifi Services business loans
Modifi Services is on Recur Club's lender panel, writing export financing, import factoring.
- ✓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
- age ≥3y
- Private Limited, Public
- Financials: rev ≥₹250cr (import factoring)
- rev ≥₹80cr (export financing)
- TOL/adjusted tangible net worth ≤5
9 more ▾ ▴
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 10–12%
- tenure 12–12mo
- Security (observed): No Security (100%)
- FD margin 15–20% (50%)
- Personal Guarantee Of Promoters / Directors / Property Owner (50%)
- Security asked in 2026: No Security (×2), FD margin 15–20% (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1)
What Modifi Services 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: Export Financing, Import Factoring.
What borrowers ask about Modifi Services
- What does Modifi Services lend?
- Modifi Services writes export financing, import factoring.
- What are Modifi Services'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 Modifi Services ask for?
- Observed across sanctions: No Security (100%) · FD margin 15–20% (50%) · Personal Guarantee Of Promoters / Directors / Property Owner (50%).
- How do I apply to Modifi Services?
- You do not apply to Modifi Services directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Modifi Services's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Modifi Services 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 Modifi Services 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 Modifi Services
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 Modifi Services is the right lender for you
A few questions. Recur Market scores you against Modifi Services 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 Modifi Services's current policy. Terms are set by the lender at the time of sanction.