Quid business loans
Quid is on Recur Club's lender panel, writing purchase invoice discounting, secured term loan, unsecured business loan and 1 other products.
- ✓We check your fit against every lender on the panel, not just this one
The screen your file has to clear
What is checked before anything else, and applies to every product below.
- Borrower: age ≥2y (secured term loan)
- age ≥3y (distributor financing, vendor financing)
- CIBIL ≥650
- avoid: Financial Services, Insurance (varies by product)
- pan-India
- Private Limited, Sole proprietorship, Limited Liability Partner (varies by product)
20 more ▾ ▴
- positive sectorConsumer DurablesHealthcareRetail (Consumer Goods)Electronics System Design & ManufacturingE-CommerceEducation and TrainingFMCGMedia and EntertainmentMedical DevicesOthers (varies by product)
- Financials: runway ≥12mo (secured term loan)
- runway ≥3mo (vendor financing)
- runway ≥6mo (distributor financing)
- minimum annualrevenuegrowthrate: -20 (varies by product)
- exisiting debt: 30 (secured term loan only)
- rev ≥₹0.5cr (secured term loan)
- rev ≥₹60cr (distributor financing, vendor financing)
- TOL/adjusted tangible net worth ≤5
- debt/networth ≤4
- EBITDA ≥₹5cr (vendor financing only)
- debt/EBITDA ≤4 (vendor financing only)
- DSCR ≥1 (vendor financing only)
- Deal: rate 15–24%
- ticket ₹0–50cr (range across products — see matrix)
- tenure 4–18mo (range across products — see matrix)
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Escrow Of Cashflows (56%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×9), Escrow Of Cashflows (×5), FD margin 10–15% (×4), Corporate Guarantee (×2)
- share → in-principle approval (initial interest): ≈21d
What Quid lends, and on what terms
What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.
| Product | Ticket | Pricing | Tenure |
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Also offered, with no terms observed yet: Purchase Invoice Discounting, Secured Term Loan, Unsecured Business Loan, Vendor Financing.
What borrowers ask about Quid
- What does Quid lend?
- Quid writes purchase invoice discounting, secured term loan, unsecured business loan, vendor financing.
- What are Quid'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 Quid ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · Escrow Of Cashflows (56%).
- How do I apply to Quid?
- You do not apply to Quid directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Quid's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Quid 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 Quid screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.
Next steps after Quid
Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.
Search the panel by name, product or ticket size, and compare credit boxes side by side.
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See whether Quid is the right lender for you
A few questions. Recur Market scores you against Quid and the rest of the panel, on each lender's own recorded criteria.
Check my matchLast updated
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 Quid's current policy. Terms are set by the lender at the time of sanction.