Satin Finserv business loans
Satin Finserv is on Recur Club's lender panel, writing secured term loan. Observed tickets run ₹4.5 cr to ₹10 cr, priced between 16% and 17%. Median turnaround from application to disbursal is about 36 days.
- ✓Tickets from ₹4.5 Cr – ₹10 Cr across 1 products
- ✓Indicative pricing 16% – 17%, as quoted on live transactions
- ✓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: age ≥1y
- CIBIL ≥650
- avoidTobacco ProductsReal Estate (non asset Light)Tourism and HospitalityFinancial ServicesGambling and BettingInsuranceLottery BusinessPorts
- Andhra Pradesh, Bihar, Chandigarh, Chhattisgarh, Dadra and Nagar Haveli and Daman and Diu, Delhi, Goa, Gujarat, Haryana, Himachal Pradesh, Jammu and Kashmir, Jharkhand, Karnataka, Kerala, Ladakh, Madhya Pradesh, Maharashtra, Nagaland, Odisha, Puducherry, Punjab, Rajasthan, Sikkim, Tamil Nadu, Telangana, Uttar Pradesh, Uttarakhand (varies by product)
- Private Limited, Limited Liability Partner, Sole proprietorship, Public
- sector-agnostic (45 sectors — full list in data JSON)
16 more ▾ ▴
- Financials: runway ≥12mo
- rev ≥₹20cr
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- DSCR ≥1
- debt/networth ≤4
- Deal: ticket ₹1–20cr (range across products — see matrix)
- tenure 0–48mo
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 10–15% (54%)
- 1st/pari-passu charge on current assets (54%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×13), FD margin 10–15% (×7), 1st/pari-passu charge on current assets (×7), 2nd charge on current assets (×5)
- share → in-principle approval (initial interest): ≈22d
- in-principle approval → sanction (underwriting): ≈34d
- sanction → disburse (closing): ≈1d
What Satin Finserv 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 |
|---|---|---|---|
Secured Term Loan▾Turnaround ~36d Rejects
Wins
13 more ▾ ▴
Behaviour & gates
3 more ▾ ▴
| ₹4.5–10 cr | 16–17% | 24–36 mo |
What a sanction from Satin Finserv 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 17 sanction letters carrying the clause.
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
- Fixed Deposit7 letters
- Demand Promissory Note3 letters
- Current Assets3 letters
- Security Cheques2 letters
- Fixed Deposit (Lien)2 letters
- Book Debts / Receivables1 letters
- Fixed Deposit ×7, Demand Promissory Note ×3, Current Assets ×3, Security Cheques ×2, Fixed Deposit (Lien) ×2, Book Debts / Receivables ×1
What borrowers ask about Satin Finserv
- What does Satin Finserv lend?
- Satin Finserv writes secured term loan. Across those, observed facilities run ₹4.5 cr to ₹10 cr.
- What ticket size does Satin Finserv offer?
- Facilities observed on live transactions run from ₹4.5 cr to ₹10 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does Satin Finserv charge?
- Rates observed on live transactions fall between 16% and 17% a year. Tenures run 24 to 36 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
- How long does Satin Finserv take to disburse?
- About 36 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
- What are Satin Finserv'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.
Next steps after Satin Finserv
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.
Registry identity, GST status, charges and ratings for any Indian company, including your own.
The underwriting platform these credit boxes come from. Built for lenders and credit teams.
Founder stories from the companies building in India, from the team behind Recur Club.
See whether Satin Finserv is the right lender for you
A few questions. Recur Market scores you against Satin Finserv 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 Satin Finserv's current policy. Terms are set by the lender at the time of sanction.