# Nuvama Wealth business loans

> Nuvama Wealth is on Recur Club's lender panel, writing operating lease, secured term loan, venture debt and 1 other products.

Source: https://www.recurclub.com/lenders/nuvama-wealth
Last updated: 2026-10-20

Also offered, with no terms observed yet: Operating Lease, Secured Term Loan, Venture Debt, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · Private Limited
- Financials: runway ≥12mo · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 13–18% · ticket ₹10–100cr · tenure 12–36mo
- Security (observed): 1st/pari-passu charge on current assets (100%)
- Security asked in : Fixed Deposit <5% (×3), FD margin 5–10% (×3), FD margin 10–15% (×3), FD margin 15–20% (×3)
- Security asked in : 1st/pari-passu charge on current assets (×5), Warrants 5-10% (×2), FD margin 5–10% (×2), Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (×2)
- Security asked in 2026: 1st/pari-passu charge on current assets (×11), FD margin 10–15% (×5), Personal Guarantee Of Promoters / Directors / Property Owner (×4), Warrants 5-10% (×3)
- share → in-principle approval (initial interest): ≈156d
- in-principle approval → sanction (underwriting): ≈61d

## Common questions

### What does Nuvama Wealth lend?

Nuvama Wealth writes operating lease, secured term loan, venture debt, working capital demand loan.

### What are Nuvama Wealth'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 Nuvama Wealth ask for?

Observed across sanctions: 1st/pari-passu charge on current assets (100%).

### How do I apply to Nuvama Wealth?

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

### Is Nuvama Wealth 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 Nuvama Wealth 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 Nuvama Wealth's current policy.