SBI Ventures business loans
SBI Ventures is on Recur Club's lender panel, writing domestic factoring, secured term loan.
- ✓We check your fit against every lender on the panel, not just this one
2 lenders under one brand
They share a screening philosophy but not a book. Which one your file goes to depends on what you are borrowing against.
Sbi Factors And Commercial Services Private Limited
- Borrower: CIBIL ≥650
- age ≥5y (purchase invoice discounting only)
- avoid: Gems and Jewellery, Real Estate (asset Light), Real Estate (non asset Light)
- Goa, Gujarat, Maharashtra, Madhya Pradesh, Dadra and Nagar Haveli and Daman and Diu (varies by product)
- Private Limited, Sole proprietorship, Public, Limited Liability Partner
- sector-agnostic (42 sectors — full list in data JSON)
18 more ▾ ▴
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- EBITDA ≥₹5cr (purchase invoice discounting only)
- rev ≥₹1000cr (purchase invoice discounting only)
- networth ≥₹100cr (purchase invoice discounting only)
- Deal: rate 9–14%
- ticket ₹5–200cr (range across products — see matrix)
- tenure 3–12mo
- Security (observed): Escrow Of Cashflows (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Current Assets - Subservient Charge (100%)
- median ticket ₹15cr
- median rate 9.5%
- median turnaround —
- Security asked in 2026: Escrow Of Cashflows (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1), Current Assets - Subservient Charge (×1)
- share → in-principle approval (initial interest): ≈14d
Sbi Ventures Limited
- Borrower: CIBIL ≥650
- avoidAgriculture and Allied IndustriesAuto ComponentsAutomobilesAviationBankingBiotechnologyCementChemicalsConsumer DurablesDefence ManufacturingE-CommerceEducation and Training
- positive sector: Real Estate (non asset Light)
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
4 more ▾ ▴
- DSCR ≥1
- Security (observed): 1st charge on immovable assets (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Security asked in 2026: 1st charge on immovable assets (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1)
What SBI Ventures 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 | Arm |
|---|
Also offered, with no terms observed yet: Domestic Factoring, Secured Term Loan.
What borrowers ask about SBI Ventures
- What does SBI Ventures lend?
- SBI Ventures writes domestic factoring, secured term loan.
- What are SBI Ventures'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 SBI Ventures ask for?
- Observed across sanctions: Escrow Of Cashflows (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%) · Current Assets - Subservient Charge (100%).
- How do I apply to SBI Ventures?
- You do not apply to SBI Ventures directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against SBI Ventures's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is SBI Ventures 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 SBI Ventures 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 SBI Ventures
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 SBI Ventures is the right lender for you
A few questions. Recur Market scores you against SBI Ventures 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 SBI Ventures's current policy. Terms are set by the lender at the time of sanction.