# 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.

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

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.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥3y (cgtmsme overdraft cash credit, loan against property, machinery loan) · age ≥2y (overdraft / cash credit) · avoid: Financial Services, Banking, Explosives, Arms and Ammunitions, Gambling and Betting, Gems and Jewellery, Insurance, Lottery Business, Media and Entertainment, Metals and Mining, Mining Companies, Mining Equipment, Mining Tech, Oil and Gas, Others, Real Estate (non asset Light), Services for Mining Industry, Tobacco Products · Delhi, Haryana, Uttar Pradesh (varies by product) · Private Limited, Public, Sole proprietorship (varies by product) · 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)

## Common questions

### 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.

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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 SIDBI Trustee's current policy.