# 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.

Source: https://www.recurclub.com/lenders/reliance-strategic
Last updated: 2026-10-20

Also offered, with no terms observed yet: Dropline Overdraft, Overdraft / Cash Credit, Purchase Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: age ≥2y · CIBIL ≥650 · avoid: Gems and Jewellery, Trading, Mining Companies, Mining Tech, Mining Equipment, Services for Mining Industry, Financial Services, Lottery Business, Insurance, Banking, Engineering, Procurement, and Construction (EPC), Explosives, Arms and Ammunitions, Gambling and Betting, Real Estate (asset Light), Real Estate (non asset Light) · pan-India · Private Limited, Public, Sole proprietorship, Limited Liability Partner · sector-agnostic (49 sectors — full list in data JSON)
- 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)

## Common questions

### 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.

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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 Reliance Strategic's current policy.