# Samena Capital business loans

> Samena Capital is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/samena-capital
Last updated: 2026-10-20

Also offered, with no terms observed yet: Secured Term 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 16–30% · ticket ₹40–200cr · tenure 24–30mo
- Security (observed): Personal Guarantee Of Promoters/Directors (100%) · Escrow Of Cashflows (100%) · 1st/pari-passu charge on current assets (100%) · Fixed Deposit <5% (100%) · FD margin 5–10% (100%) · FD margin 10–15% (100%) · FD margin 15–20% (100%) · FD margin 20–30% (100%) · FD margin 30–40% (100%) · FD margin 40–50% (100%) · Commercial/Office Property/Factory Building - Exclusive First Charge (100%) · Corporate Guarantee (100%) · Warrants >10% (100%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×1), Escrow Of Cashflows (×1), 1st/pari-passu charge on current assets (×1), Fixed Deposit <5% (×1)

## Common questions

### What does Samena Capital lend?

Samena Capital writes secured term loan.

### What are Samena Capital'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 Samena Capital ask for?

Observed across sanctions: Personal Guarantee Of Promoters/Directors (100%) · Escrow Of Cashflows (100%) · 1st/pari-passu charge on current assets (100%) · Fixed Deposit <5% (100%) · FD margin 5–10% (100%) · FD margin 10–15% (100%) · FD margin 15–20% (100%) · FD margin 20–30% (100%) · FD margin 30–40% (100%) · FD margin 40–50% (100%) · Commercial/Office Property/Factory Building - Exclusive First Charge (100%) · Corporate Guarantee (100%) · Warrants >10% (100%).

### How do I apply to Samena Capital?

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

### Is Samena Capital 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 Samena Capital 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 Samena Capital's current policy.