# Samunnati Finance business loans

> Samunnati Finance is on Recur Club's lender panel, writing secured term loan, working capital demand loan.

Source: https://www.recurclub.com/lenders/samunnati-finance
Last updated: 2026-10-20

Also offered, with no terms observed yet: Secured Term Loan, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · pan-India
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- 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)

## Sanctioned terms (from 2 real sanction letters)

### Sanctioned amount: median ₹88L (₹75L–₹1 cr)

- median ₹88L (₹75L–₹1 cr)

### Typical covenants: - Other standing covenants — 50% of letters

- Other standing covenants — 50% of letters

### Term sheet by ticket size: (facilities, largest first)

- (facilities, largest first)

## Common questions

### 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.

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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 Samunnati Finance's current policy.