# Rent Alpha business loans

> Rent Alpha is on Recur Club's lender panel, writing operating lease, secured term loan, working capital demand loan.

Source: https://www.recurclub.com/lenders/rent-alpha
Last updated: 2026-10-20

Also offered, with no terms observed yet: Operating Lease, Secured Term Loan, Working Capital Demand 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 11–16% · ticket ₹10–1000cr · tenure 12–84mo
- Security (observed): Personal Guarantee Of Promoters/Directors (100%) · 1st/pari-passu charge on current assets (100%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×1), 1st/pari-passu charge on current assets (×1)

## Common questions

### What does Rent Alpha lend?

Rent Alpha writes operating lease, secured term loan, working capital demand loan.

### What are Rent Alpha'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 Rent Alpha ask for?

Observed across sanctions: Personal Guarantee Of Promoters/Directors (100%) · 1st/pari-passu charge on current assets (100%).

### How do I apply to Rent Alpha?

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

### Is Rent Alpha 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 Rent Alpha 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 Rent Alpha's current policy.