# Sostenible Advisors business loans

> Sostenible Advisors is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/sostenible-advisors
Last updated: 2026-10-20

Also offered, with no terms observed yet: Secured Term Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Security (observed): 1st charge on immovable assets (100%) · Personal Guarantee Of Promoters/Directors (100%) · Escrow Of Cashflows (100%)
- Security asked in : 1st charge on immovable assets (×1), Personal Guarantee Of Promoters/Directors (×1), Escrow Of Cashflows (×1)

## Common questions

### What does Sostenible Advisors lend?

Sostenible Advisors writes secured term loan.

### What are Sostenible Advisors'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 Sostenible Advisors ask for?

Observed across sanctions: 1st charge on immovable assets (100%) · Personal Guarantee Of Promoters/Directors (100%) · Escrow Of Cashflows (100%).

### What documents does Sostenible Advisors ask for?

Most often term sheet. Having these ready before the first call is what shortens the turnaround.

### How do I apply to Sostenible Advisors?

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

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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 Sostenible Advisors's current policy.