# SBM Bank business loans

> SBM Bank is on Recur Club's lender panel, writing purchase invoice discounting, sales invoice discounting, working capital demand loan.

Source: https://www.recurclub.com/lenders/sbm-bank
Last updated: 2026-10-20

Also offered, with no terms observed yet: Purchase Invoice Discounting, Sales Invoice Discounting, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- 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) · 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)

## Common questions

### 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.

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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.