# Nandan Capital business loans

> Nandan Capital is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/nandan-capital
Last updated: 2026-10-20

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥2y · avoid: Financial Services · 34 approved states (list → data JSON) · Private Limited, Public, Limited Liability Partner
- Financials: runway ≥6mo · rev ≥₹15cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt to equity: 3 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 15–18% · ticket ₹3–10cr
- Security (observed): 1st/pari-passu charge on current assets (100%) · FD margin 10–15% (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (75%) · 1st charge on P&M (50%)
- Security asked in : 1st/pari-passu charge on current assets (×9), FD margin 15–20% (×4), Personal Guarantee Of Promoters/Directors (×4), FD margin 10–15% (×2)
- Security asked in 2026: 1st/pari-passu charge on current assets (×4), FD margin 10–15% (×4), Personal Guarantee Of Promoters / Directors / Property Owner (×3), 1st charge on P&M (×2)

## Common questions

### What does Nandan Capital lend?

Nandan Capital writes secured term loan.

### What are Nandan Capital'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 Nandan Capital ask for?

Observed across sanctions: 1st/pari-passu charge on current assets (100%) · FD margin 10–15% (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (75%) · 1st charge on P&M (50%).

### How do I apply to Nandan Capital?

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

### Is Nandan Capital 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 Nandan Capital 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 Nandan Capital's current policy.