# SGFinserve business loans

> SGFinserve is on Recur Club's lender panel, writing distributor financing, domestic factoring, purchase invoice discounting and 3 other products.

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

Also offered, with no terms observed yet: Distributor Financing, Domestic Factoring, Purchase Invoice Discounting, Sales Invoice Discounting, Secured Term Loan, Vendor Financing.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥2y · avoid: Chemicals · pan-India · sector-agnostic (22 sectors — full list in data JSON) (varies by product) · Private Limited, Public, Sole proprietorship, Limited Liability Partner
- Financials: runway ≥12mo · TOL/adjusted tangible net worth ≤4 (loan against property, purchase invoice discounting, sales invoice discounting, secured term loan, trade receivables discounting system) · TOL/adjusted tangible net worth ≤5 (distributor financing, domestic factoring, vendor financing) · debt/EBITDA ≤3 (loan against property, purchase invoice discounting, sales invoice discounting, secured term loan, trade receivables discounting system) · debt/EBITDA ≤4 (distributor financing, domestic factoring, vendor financing) · debt/networth ≤4 · DSCR ≥1 · rev ≥₹500cr (varies by product) · minimum assetsundermanagement: 50 (secured term loan only) · gross non performing assets: 4 (secured term loan only)
- Deal: rate 12–18% (range across products — see matrix) · ticket ₹1–50cr (range across products — see matrix)
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (100%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×9), FD margin 10–15% (×9), Escrow Of Cashflows (×3), 2nd charge on current assets (×2)

## Common questions

### What does SGFinserve lend?

SGFinserve writes distributor financing, domestic factoring, purchase invoice discounting, sales invoice discounting, secured term loan, vendor financing.

### What are SGFinserve'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 SGFinserve ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (100%).

### How do I apply to SGFinserve?

You do not apply to SGFinserve directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against SGFinserve's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.

### Is SGFinserve 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 SGFinserve 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 SGFinserve's current policy.