# Neeva Swarnam business loans > Neeva Swarnam is on Recur Club's lender panel, writing secured term loan. Source: https://www.recurclub.com/lenders/neeva-swarnam Last updated: 2026-10-20 Also offered, with no terms observed yet: Secured Term Loan. ## Eligibility ### Screening gates and observed behaviour - Borrower: age ≥2y · CIBIL ≥650 · avoid: Agriculture and Allied Industries, Auto Components, Automobiles, Aviation, Banking, Biotechnology, Cement, Chemicals, Consumer Durables, Defence Manufacturing, E-Commerce, Education and Training, Electric Vehicle, Electronics System Design & Manufacturing, Engineering and Capital Goods, Engineering, Procurement, and Construction (EPC), Explosives, Arms and Ammunitions, FMCG, Food Processing, Gambling and Betting, Gems and Jewellery, Healthcare, Infrastructure, Lottery Business, Manufacturing, Media and Entertainment, Medical Devices, Metals and Mining, Mining Companies, Mining Equipment, Mining Tech, Oil and Gas, Others, Paper & Packaging, Pharmaceuticals, Ports, Power, Railways, Real Estate (asset Light), Real Estate (non asset Light), Renewable Energy, Retail (Consumer Goods), Roads, SaaS, Science and Technology, Services, Services for Mining Industry, Steel, Tech Services, Telecommunications, Textiles, Tobacco Products, Tourism and Hospitality, Trading · Karnataka, Andhra Pradesh, Goa, Kerala, Madhya Pradesh, Maharashtra, Puducherry, Tamil Nadu, Telangana, Gujarat, Odisha, West Bengal · Private Limited, Public · positive sector: Financial Services, Insurance - 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) ## Common questions ### 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. --- Check which lenders fund a business like yours: https://www.recurclub.com/recur-market All lenders: https://www.recurclub.com/lenders 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.