# SBI Ventures business loans > SBI Ventures is on Recur Club's lender panel, writing domestic factoring, secured term loan. Source: https://www.recurclub.com/lenders/sbi-ventures Last updated: 2026-10-20 Also offered, with no terms observed yet: Domestic Factoring, Secured Term Loan. ## Eligibility - SBI FACTORS AND COMMERCIAL SERVICES PRIVATE LIMITED ### Screening gates and observed behaviour - 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) - 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 ## Eligibility - SBI ventures limited ### Screening gates and observed behaviour - Borrower: CIBIL ≥650 · avoid: Agriculture and Allied Industries, Auto Components, Automobiles, Aviation, Banking, Biotechnology, Cement, Chemicals, Consumer Durables, Defence Manufacturing, E-Commerce, Education and Training, Electric Vehicle, Electronics System Design & Manufacturing, Engineering and Capital Goods, Engineering, Procurement, and Construction (EPC), Explosives, Arms and Ammunitions, Financial Services, FMCG, Food Processing, Gambling and Betting, Gems and Jewellery, Healthcare, Infrastructure, Insurance, Lottery Business, Manufacturing, Media and Entertainment, Medical Devices, Metals and Mining, Mining Companies, Mining Equipment, Mining Tech, Oil and Gas, Others, Paper & Packaging, Pharmaceuticals, Ports, Power, Railways, Real Estate (asset Light), Renewable Energy, Retail (Consumer Goods), Roads, SaaS, Science and Technology, Services, Services for Mining Industry, Steel, Tech Services, Telecommunications, Textiles, Tobacco Products, Tourism and Hospitality, Trading · positive sector: Real Estate (non asset Light) - Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · 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) ## Common questions ### 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. --- Check which lenders fund a business like yours: https://www.recurclub.com/recur-market All lenders: https://www.recurclub.com/lenders 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.