Real Touch business loans
Real Touch is on Recur Club's lender panel, writing secured term loan.
- ✓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: CIBIL ≥650
- Gujarat, Maharashtra, Tamil Nadu, Karnataka, Andhra Pradesh, Telangana
- positive sector: Financial Services
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- networth ≥₹10cr
10 more ▾ ▴
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 16–18%
- ticket ₹1–10cr
- Security (observed): 1st/pari-passu charge on current assets (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Corporate Guarantee (50%)
- Security asked in : 1st/pari-passu charge on current assets (×4), Corporate Guarantee (×3), FD margin 20–30% (×1), FD margin 15–20% (×1)
- Security asked in 2026: 1st/pari-passu charge on current assets (×2), Personal Guarantee Of Promoters / Directors / Property Owner (×2), Corporate Guarantee (×1)
- share → in-principle approval (initial interest): ≈28d
What Real Touch 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 |
|---|
Also offered, with no terms observed yet: Secured Term Loan.
What borrowers ask about Real Touch
- What does Real Touch lend?
- Real Touch writes secured term loan.
- What are Real Touch'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 Real Touch ask for?
- Observed across sanctions: 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%) · Corporate Guarantee (50%).
- How do I apply to Real Touch?
- You do not apply to Real Touch directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Real Touch's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Real Touch 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 Real Touch 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 Real Touch
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.
Registry identity, GST status, charges and ratings for any Indian company, including your own.
The underwriting platform these credit boxes come from. Built for lenders and credit teams.
Founder stories from the companies building in India, from the team behind Recur Club.
See whether Real Touch is the right lender for you
A few questions. Recur Market scores you against Real Touch 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 Real Touch's current policy. Terms are set by the lender at the time of sanction.