Neeva Swarnam business loans
Neeva Swarnam is on Recur Club's lender panel, writing 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: age ≥2y
- CIBIL ≥650
- avoidAgriculture and Allied IndustriesAuto ComponentsAutomobilesAviationBankingBiotechnologyCementChemicalsConsumer DurablesDefence ManufacturingE-CommerceEducation and Training
- Karnataka, Andhra Pradesh, Goa, Kerala, Madhya Pradesh, Maharashtra, Puducherry, Tamil Nadu, Telangana, Gujarat, Odisha, West Bengal
- Private Limited, Public
- positive sector: Financial Services, Insurance
13 more ▾ ▴
- Financials: runway ≥12mo
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- networth ≥₹10cr
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 15–17%
- ticket ₹0–2cr
- tenure 16–24mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- 1st/pari-passu charge on current assets (100%)
- Security asked in : 1st/pari-passu charge on current assets (×1), FD margin 5–10% (×1), Corporate Guarantee (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×1), 1st/pari-passu charge on current assets (×1)
What Neeva Swarnam 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: Secured Term Loan.
What borrowers ask about Neeva Swarnam
- What does Neeva Swarnam lend?
- Neeva Swarnam writes secured term loan.
- What are Neeva Swarnam'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 Neeva Swarnam ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 1st/pari-passu charge on current assets (100%).
- How do I apply to Neeva Swarnam?
- You do not apply to Neeva Swarnam directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Neeva Swarnam's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Neeva Swarnam 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 Neeva Swarnam 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 Neeva Swarnam
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 Neeva Swarnam is the right lender for you
A few questions. Recur Market scores you against Neeva Swarnam 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 Neeva Swarnam's current policy. Terms are set by the lender at the time of sanction.