Shriram Finance business loans
Shriram Finance is on Recur Club's lender panel, writing purchase invoice discounting, sales invoice discounting, secured term loan and 1 other products.
- ✓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 (secured term loan)
- age ≥3y (purchase invoice discounting, sales invoice discounting, working capital demand loan)
- Rajasthan, Delhi, Haryana, Punjab, Uttarakhand, Maharashtra, Uttar Pradesh (varies by product)
- avoidAgriculture and Allied IndustriesAuto ComponentsAutomobilesAviationBankingBiotechnologyCementChemicalsConsumer DurablesDefence ManufacturingE-CommerceEducation and Training
- positive sector: Financial Services (varies by product)
19 more ▾ ▴
- Private Limited, Public (varies by product)
- Financials: rev ≥₹20cr (varies by product)
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- maximum annualrevenue: 250 (varies by product)
- debt/networth ≤4
- DSCR ≥1
- minimum assetsundermanagement: 100 (secured term loan only)
- gross non performing assets: 3 (secured term loan only)
- Deal: rate 12–18% (range across products — see matrix)
- ticket ₹1–40cr (range across products — see matrix)
- tenure 12–48mo
- Security (observed): 1st/pari-passu charge on current assets (100%)
- median ticket ₹5cr
- median rate 13.8%
- median turnaround —
- Security asked in : Personal Guarantee Of Promoters/Directors (×25), FD margin 10–15% (×9), FD margin 15–20% (×8), 2nd charge on current assets (×7)
- Security asked in 2026: 1st/pari-passu charge on current assets (×1)
- share → in-principle approval (initial interest): ≈25d
What Shriram Finance 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 |
|---|
Also offered, with no terms observed yet: Purchase Invoice Discounting, Sales Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.
What a sanction from Shriram Finance actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 22 sanction letters carrying the clause.
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
- Cash margin2 letters
- Cash Margin2 letters
- Immovable Property1 letters
- Cash Margin/Cash Collateral1 letters
- Post-dated Cheques1 letters
- Undated Cheques1 letters
- Cash margin ×2, Cash Margin ×2, Immovable Property ×1, Cash Margin/Cash Collateral ×1, Post-dated Cheques ×1, Undated Cheques ×1
What borrowers ask about Shriram Finance
- What does Shriram Finance lend?
- Shriram Finance writes purchase invoice discounting, sales invoice discounting, secured term loan, working capital demand loan.
- What are Shriram Finance'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 Shriram Finance ask for?
- Observed across sanctions: 1st/pari-passu charge on current assets (100%).
- How do I apply to Shriram Finance?
- You do not apply to Shriram Finance directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Shriram Finance's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Shriram Finance 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 Shriram Finance 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 Shriram Finance
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 Shriram Finance is the right lender for you
A few questions. Recur Market scores you against Shriram Finance 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 Shriram Finance's current policy. Terms are set by the lender at the time of sanction.