# Rar Fincare business loans

> Rar Fincare is on Recur Club's lender panel, writing purchase invoice discounting, sales invoice discounting, secured term loan and 1 other products.

Source: https://www.recurclub.com/lenders/rar-fincare
Last updated: 2026-10-20

Also offered, with no terms observed yet: Purchase Invoice Discounting, Sales Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: age ≥3y · CIBIL ≥650 · avoid: Explosives, Arms and Ammunitions, Gambling and Betting, Tobacco Products, Gems and Jewellery, Lottery Business · Tamil Nadu, Andhra Pradesh, Telangana, Kerala, Karnataka, Maharashtra, Gujarat, Puducherry · Private Limited, Public, Sole proprietorship, Limited Liability Partner · sector-agnostic (49 sectors — full list in data JSON)
- Financials: runway ≥12mo · rev ≥₹20cr (secured term loan only) · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · DSCR ≥1 · debt/networth ≤4
- Deal: rate 14–17% · ticket ₹0–5cr · tenure 12–24mo · no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) · Current Assets - Subservient Charge (50%) · 1st/pari-passu charge on current assets (50%) · FD margin 10–15% (50%)
- Security asked in : FD margin 10–15% (×7), Personal Guarantee Of Promoters/Directors (×6), 2nd charge on current assets (×6), Personal Guarantee Of Promoters / Directors / Property Owner (×5)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×4), Current Assets - Subservient Charge (×2), 1st/pari-passu charge on current assets (×2), FD margin 10–15% (×2)
- share → in-principle approval (initial interest): ≈16d

## Common questions

### What does Rar Fincare lend?

Rar Fincare writes purchase invoice discounting, sales invoice discounting, secured term loan, working capital demand loan.

### What are Rar Fincare'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 Rar Fincare ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · Current Assets - Subservient Charge (50%) · 1st/pari-passu charge on current assets (50%) · FD margin 10–15% (50%).

### How do I apply to Rar Fincare?

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

### Is Rar Fincare 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 Rar Fincare 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 Rar Fincare's current policy.