What are Reliance Strategic'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 Reliance Strategic ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (75%).

How do I apply to Reliance Strategic?

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

Is Reliance Strategic 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 Reliance Strategic screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.

Lender profile

Reliance Strategic business loans

Reliance Strategic is on Recur Club's lender panel, writing dropline overdraft, overdraft / cash credit, purchase invoice discounting and 2 other products.

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Products live

— The screen your file has to clear

The screen your file has to clear

What is checked before anything else, and applies to every product below.

Behaviour & gates

Borrower: age ≥2y
CIBIL ≥650
avoid
Gems and JewelleryTradingMining CompaniesMining TechMining EquipmentServices for Mining IndustryFinancial ServicesLottery BusinessInsuranceBankingEngineeringProcurement
pan-India
Private Limited, Public, Sole proprietorship, Limited Liability Partner
sector-agnostic (49 sectors — full list in data JSON)

14 more ▾

Financials: rev ≥₹75cr
TOL/adjusted tangible net worth ≤4
debt/EBITDA ≤4
debt to equity: 2
debt/networth ≤4
DSCR ≥1
Deal: rate 9–15%
ticket ₹10–300cr
tenure 12–84mo
no PEP
Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
FD margin 10–15% (75%)
Security asked in : Personal Guarantee Of Promoters/Directors (×4), FD margin 15–20% (×2), 2nd charge on current assets (×2), 1st/pari-passu charge on current assets (×1)
Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×4), FD margin 10–15% (×3), 1st/pari-passu charge on current assets (×1), Immovable Fixed Assets - Pari Passu First Charge (×1)

— Products & indicative terms

What Reliance Strategic 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: Dropline Overdraft, Overdraft / Cash Credit, Purchase Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.

— Common questions

What borrowers ask about Reliance Strategic

What does Reliance Strategic lend?: Reliance Strategic writes dropline overdraft, overdraft / cash credit, purchase invoice discounting, secured term loan, working capital demand loan.
What are Reliance Strategic'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 Reliance Strategic ask for?: Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (75%).
How do I apply to Reliance Strategic?: You do not apply to Reliance Strategic directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Reliance Strategic's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
Is Reliance Strategic 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 Reliance Strategic 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 Reliance Strategic

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Last updated 12 October 2026

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 Reliance Strategic's current policy. Terms are set by the lender at the time of sanction.