SIDBI Trustee business loans
SIDBI Trustee is on Recur Club's lender panel, writing cgtmsme overdraft cash credit, loan against property, machinery loan and 7 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 ≥3y (cgtmsme overdraft cash credit, loan against property, machinery loan)
- age ≥2y (overdraft / cash credit)
- avoidFinancial ServicesBankingExplosivesArms and AmmunitionsGambling and BettingGems and JewelleryInsuranceLottery BusinessMedia and EntertainmentMetals and MiningMining CompaniesMining Equipment
- Delhi, Haryana, Uttar Pradesh (varies by product)
- Private Limited, Public, Sole proprietorship (varies by product)
28 more ▾ ▴
- sector-agnostic (30 sectors — full list in data JSON) (varies by product)
- Financials: EBITDA ≥₹-100cr (overdraft / cash credit, secured term loan)
- EBITDA ≥₹10cr (cgtmsme overdraft cash credit, loan against property, machinery loan)
- runway ≥12mo
- rev ≥₹10cr (overdraft / cash credit, secured term loan only)
- TOL/adjusted tangible net worth ≤5 (overdraft / cash credit, secured term loan)
- TOL/adjusted tangible net worth ≤4 (cgtmsme overdraft cash credit, loan against property, machinery loan)
- debt/EBITDA ≤4 (secured term loan)
- debt/EBITDA ≤3 (cgtmsme overdraft cash credit, loan against property, machinery loan, overdraft / cash credit)
- maximum annualrevenue: 500
- debt/networth ≤4 (overdraft / cash credit, secured term loan)
- debt/networth ≤3 (cgtmsme overdraft cash credit, loan against property, machinery loan)
- DSCR ≥1
- Deal: rate 8–13.5% (range across products — see matrix)
- ticket ₹0–100cr (range across products — see matrix)
- tenure 0–120mo (range across products — see matrix)
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- 1st charge on immovable assets (50%)
- FD margin 10–15% (50%)
- 1st/pari-passu charge on current assets (50%)
- 1st charge on P&M (50%)
- median ticket ₹10cr
- median rate 13%
- median turnaround —
- Security asked in : Escrow Of Cashflows (×3), Personal Guarantee Of Promoters/Directors (×2), 1st/pari-passu charge on current assets (×2), Fixed Deposit <5% (×2)
- Security asked in : FD margin 10–15% (×2), 1st/pari-passu charge on current assets (×1), Fixed Deposit <5% (×1), FD margin 5–10% (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×4), 1st charge on immovable assets (×2), FD margin 10–15% (×2), 1st/pari-passu charge on current assets (×2)
What SIDBI Trustee 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: Cgtmsme Overdraft Cash Credit, Loan Against Property, Machinery Loan, Operating Lease, Overdraft / Cash Credit, Purchase Invoice Discounting, Sales Invoice Discounting, Secured Term Loan, Venture Debt, Working Capital Demand Loan.
What borrowers ask about SIDBI Trustee
- What does SIDBI Trustee lend?
- SIDBI Trustee writes cgtmsme overdraft cash credit, loan against property, machinery loan, operating lease, overdraft / cash credit, purchase invoice discounting and 4 further products.
- What are SIDBI Trustee'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 SIDBI Trustee ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 1st charge on immovable assets (50%) · FD margin 10–15% (50%) · 1st/pari-passu charge on current assets (50%) · 1st charge on P&M (50%).
- How do I apply to SIDBI Trustee?
- You do not apply to SIDBI Trustee directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against SIDBI Trustee's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is SIDBI Trustee 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 SIDBI Trustee 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 SIDBI Trustee
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 SIDBI Trustee is the right lender for you
A few questions. Recur Market scores you against SIDBI Trustee 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 SIDBI Trustee's current policy. Terms are set by the lender at the time of sanction.