# Smas Auto business loans

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥2y
- Financials: rev ≥₹50cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · maximum annualrevenue: 5000 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 9–18% · ticket ₹10–100cr · tenure 36–84mo · no PEP
- Security: FD margin 50–75% · 1st charge on P&M

## Common questions

### What are Smas Auto'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.

### How do I apply to Smas Auto?

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

### Is Smas Auto 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 Smas Auto screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.

---

Check which lenders fund a business like yours: https://www.recurclub.com/recur-market
All lenders: https://www.recurclub.com/lenders

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 Smas Auto's current policy.