# Opc Asset business loans

> Opc Asset is on Recur Club's lender panel, writing operating lease, secured term loan, working capital demand loan.

Source: https://www.recurclub.com/lenders/opc-asset
Last updated: 2026-10-20

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · pan-India
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 12–15% · ticket ₹0–1000cr · tenure 24–48mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) · Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (50%) · 1st/pari-passu charge on current assets (50%) · 1st charge on immovable assets (50%) · FD margin 10–15% (50%) · 1st charge on P&M (50%) · FD margin 5–10% (50%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×1)
- Security asked in : 1st/pari-passu charge on current assets (×1), Escrow Of Cashflows (×1), Fixed Deposit <5% (×1), FD margin 5–10% (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×2), Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (×1), 1st/pari-passu charge on current assets (×1), 1st charge on immovable assets (×1)

## Common questions

### What does Opc Asset lend?

Opc Asset writes operating lease, secured term loan, working capital demand loan.

### What are Opc Asset'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 Opc Asset ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (50%) · 1st/pari-passu charge on current assets (50%) · 1st charge on immovable assets (50%) · FD margin 10–15% (50%) · 1st charge on P&M (50%) · FD margin 5–10% (50%).

### How do I apply to Opc Asset?

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

### Is Opc Asset 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 Opc Asset 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 Opc Asset's current policy.