# R V business loans

> R V is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/r-v
Last updated: 2026-10-20

Also offered, with no terms observed yet: Secured Term 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
- Deal: rate 14–16% · ticket ₹50–100cr · tenure 12–30mo
- 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 (×3), 2nd charge on current assets (×2), 1st/pari-passu charge on current assets (×1), FD margin 15–20% (×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)

## Common questions

### What does R V lend?

R V writes secured term loan.

### What are R V'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 R V 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%).

### How do I apply to R V?

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

### Is R V 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 R V 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 R V's current policy.