SBM Bank business loans
SBM Bank is on Recur Club's lender panel, writing purchase invoice discounting, sales invoice discounting, 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
- Financials: TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤3
- debt/networth ≤3
- DSCR ≥1
- Deal: rate 8–16% (range across products — see matrix)
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- ticket ₹5–200cr
- tenure 12–180mo (range across products — see matrix)
- Security (observed): 1st/pari-passu charge on current assets (100%)
- FD margin 15–20% (100%)
- median ticket ₹20cr
- median rate 12%
- median turnaround —
- Security asked in : 1st/pari-passu charge on current assets (×1), FD margin 15–20% (×1)
What SBM Bank 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: Purchase Invoice Discounting, Sales Invoice Discounting, Working Capital Demand Loan.
What borrowers ask about SBM Bank
- What does SBM Bank lend?
- SBM Bank writes purchase invoice discounting, sales invoice discounting, working capital demand loan.
- What are SBM Bank'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 SBM Bank ask for?
- Observed across sanctions: 1st/pari-passu charge on current assets (100%) · FD margin 15–20% (100%).
- How do I apply to SBM Bank?
- You do not apply to SBM Bank directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against SBM Bank's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is SBM Bank 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 SBM Bank 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 SBM Bank
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 SBM Bank is the right lender for you
A few questions. Recur Market scores you against SBM Bank and the rest of the panel, on each lender's own recorded criteria.
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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 SBM Bank's current policy. Terms are set by the lender at the time of sanction.