# Modifi Services business loans

> Modifi Services is on Recur Club's lender panel, writing export financing, import factoring.

Source: https://www.recurclub.com/lenders/modifi-services
Last updated: 2026-10-20

Also offered, with no terms observed yet: Export Financing, Import Factoring.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥3y · Private Limited, Public
- Financials: rev ≥₹250cr (import factoring) · rev ≥₹80cr (export financing) · TOL/adjusted tangible net worth ≤5 · 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)

## Common questions

### 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.

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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 Modifi Services's current policy.