# Neo Assets business loans

> Neo Assets is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/neo-assets
Last updated: 2026-10-20

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

## Eligibility - NEO ASSETS PRIVATE LIMITED

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥3y · avoid: Real Estate (asset Light), Real Estate (non asset Light), Banking, Insurance, Lottery Business, Gambling and Betting, Financial Services · pan-India · Private Limited, Public, Sole proprietorship, Limited Liability Partner
- Financials: rev ≥₹200cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · maximum annualrevenue: 5000 · maximum networth: 1000 · networth ≥₹50cr · debt/networth ≤4 · DSCR ≥1
- Deal: rate 15–20% · ticket ₹50–300cr · tenure 24–48mo · no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (100%) · share pledge ≤51% (100%) · 2nd charge on current assets (100%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×2), 2nd charge on current assets (×1), 1st charge on immovable assets (×1), 1st/pari-passu charge on current assets (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×1), FD margin 10–15% (×1), share pledge ≤51% (×1), 2nd charge on current assets (×1)

## Eligibility - neo asset management private limited

### Screening gates and observed behaviour

- Borrower: age ≥2y · CIBIL ≥650 · avoid: Trading, Real Estate (asset Light), Lottery Business, Gambling and Betting · pan-India · Private Limited, Public, Limited Liability Partner · sector-agnostic (50 sectors — full list in data JSON)
- Financials: rev ≥₹250cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 18–22% · ticket ₹100–500cr · tenure 18–48mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 1st charge on immovable assets (50%) · 2nd charge on current assets (50%) · Corporate Guarantee (50%) · share pledge ≤51% (50%) · Escrow Of Cashflows (50%) · 1st charge on P&M (50%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×2), 1st charge on immovable assets (×1), 2nd charge on current assets (×1), Corporate Guarantee (×1)
- share → in-principle approval (initial interest): ≈33d

## Common questions

### What does Neo Assets lend?

Neo Assets writes secured term loan.

### What are Neo Assets'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 Neo Assets ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (100%) · share pledge ≤51% (100%) · 2nd charge on current assets (100%).

### What documents does Neo Assets ask for?

Most often fees / diligence. Having these ready before the first call is what shortens the turnaround.

### How do I apply to Neo Assets?

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

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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 Neo Assets's current policy.