Samunnati Finance business loans
Samunnati Finance is on Recur Club's lender panel, writing secured term loan, working capital demand 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
- pan-India
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
8 more ▾ ▴
- Deal: rate 8–16% (range across products — see matrix)
- ticket ₹5–200cr
- tenure 12–180mo (range across products — see matrix)
- Security (observed): Personal Guarantee Of Promoters/Directors (100%)
- 2nd charge on current assets (50%)
- FD margin 5–10% (50%)
- 1st/pari-passu charge on current assets (50%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×2), 2nd charge on current assets (×1), FD margin 5–10% (×1), 1st/pari-passu charge on current assets (×1)
What Samunnati Finance 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 |
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Also offered, with no terms observed yet: Secured Term Loan, Working Capital Demand Loan.
What a sanction from Samunnati Finance actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 2 sanction letters carrying the clause.
What borrowers ask about Samunnati Finance
- What does Samunnati Finance lend?
- Samunnati Finance writes secured term loan, working capital demand loan.
- What are Samunnati Finance'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 Samunnati Finance ask for?
- Observed across sanctions: Personal Guarantee Of Promoters/Directors (100%) · 2nd charge on current assets (50%) · FD margin 5–10% (50%) · 1st/pari-passu charge on current assets (50%).
- How do I apply to Samunnati Finance?
- You do not apply to Samunnati Finance directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Samunnati Finance's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Samunnati Finance 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 Samunnati Finance 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 Samunnati Finance
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.
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See whether Samunnati Finance is the right lender for you
A few questions. Recur Market scores you against Samunnati Finance 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 Samunnati Finance's current policy. Terms are set by the lender at the time of sanction.