Shine Star business loans
Shine Star is on Recur Club's lender panel, writing loan against property, secured term 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
- age ≥2y
- avoidFinancial ServicesBankingInsuranceGems and JewelleryLottery BusinessTrading
- Private Limited, Public, Limited Liability Partner
- Financials: rev ≥₹75cr
- TOL/adjusted tangible net worth ≤5
14 more ▾ ▴
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 16–22%
- ticket ₹15–200cr
- tenure 12–24mo
- Security (observed): FD margin 20–30% (100%)
- Corporate Guarantee (100%)
- 1st/pari-passu charge on current assets (100%)
- FD margin 15–20% (100%)
- 1st charge on immovable assets (100%)
- Personal Guarantee Of Promoters/Directors (100%)
- Security asked in : 1st/pari-passu charge on current assets (×1), Fixed Deposit <5% (×1), FD margin 5–10% (×1), FD margin 10–15% (×1)
- Security asked in : FD margin 20–30% (×1), Corporate Guarantee (×1), 1st/pari-passu charge on current assets (×1), FD margin 15–20% (×1)
What Shine Star 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: Loan Against Property, Secured Term Loan.
What borrowers ask about Shine Star
- What does Shine Star lend?
- Shine Star writes loan against property, secured term loan.
- What are Shine Star'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 Shine Star ask for?
- Observed across sanctions: FD margin 20–30% (100%) · Corporate Guarantee (100%) · 1st/pari-passu charge on current assets (100%) · FD margin 15–20% (100%) · 1st charge on immovable assets (100%) · Personal Guarantee Of Promoters/Directors (100%).
- How do I apply to Shine Star?
- You do not apply to Shine Star directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Shine Star's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Shine Star 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 Shine Star 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 Shine Star
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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The underwriting platform these credit boxes come from. Built for lenders and credit teams.
Founder stories from the companies building in India, from the team behind Recur Club.
See whether Shine Star is the right lender for you
A few questions. Recur Market scores you against Shine Star 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 Shine Star's current policy. Terms are set by the lender at the time of sanction.