# Protium Finance business loans

> Protium Finance is on Recur Club's lender panel, writing dropline overdraft, secured term loan, unsecured business loan.

Source: https://www.recurclub.com/lenders/protium-finance
Last updated: 2026-10-20

Also offered, with no terms observed yet: Dropline Overdraft, Secured Term Loan, Unsecured Business Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1

## Sanctioned terms (from 7 real sanction letters)

### Sanctioned amount: median ₹50L (₹30L–₹1.7 cr) · NEW ×3

- median ₹50L (₹30L–₹1.7 cr) · NEW ×3

### Typical security: Equipment/Machinery ×1, Machinery/Equipment ×1, Post-dated cheques / auto-debit mandate ×1

- Equipment/Machinery ×1, Machinery/Equipment ×1, Post-dated cheques / auto-debit mandate ×1

### Typical covenants: - Periodic reporting / MIS obligation — 57% of letters

- Periodic reporting / MIS obligation — 57% of letters

### Term sheet by ticket size: (facilities, largest first)

- (facilities, largest first)

## Common questions

### What does Protium Finance lend?

Protium Finance writes dropline overdraft, secured term loan, unsecured business loan.

### What are Protium Finance'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.

### How do I apply to Protium Finance?

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

### Is Protium Finance 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 Protium Finance 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 Protium Finance's current policy.