# Standard Chartered business loans

> Standard Chartered is on Recur Club's lender panel, writing overdraft / cash credit, purchase invoice discounting, secured term loan and 1 other products.

Source: https://www.recurclub.com/lenders/standard-chartered
Last updated: 2026-10-20

Also offered, with no terms observed yet: Overdraft / Cash Credit, Purchase Invoice Discounting, Unsecured Business Loan, Secured Term Loan.

## Eligibility - Standard Chartered Bank

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · Haryana, Himachal Pradesh, Punjab, Rajasthan, Uttar Pradesh, Uttarakhand, Chandigarh, Delhi, Jammu and Kashmir, Ladakh, Andhra Pradesh, Karnataka, Kerala, Tamil Nadu, Telangana, Puducherry, Lakshadweep, Goa, Gujarat, Maharashtra, Madhya Pradesh, Dadra and Nagar Haveli and Daman and Diu · avoid: Gems and Jewellery, Explosives, Arms and Ammunitions, Gambling and Betting, Lottery Business (varies by product)
- Financials: TOL/adjusted tangible net worth ≤4 · debt/EBITDA ≤3 · debt/networth ≤3 · DSCR ≥1
- Deal: rate 8–16% (range across products — see matrix) · ticket ₹0–200cr (range across products — see matrix) · tenure 12–180mo (range across products — see matrix) · no PEP
- Security: 1st/pari-passu charge on current assets · 1st charge on immovable assets · share pledge ≤51% · FD margin 20–30% · Residential Property - Exclusive First Charge · Land - Exclusive First Charge
- median ticket ₹10cr
- median rate 11%
- median turnaround —

## Eligibility - STANDARD CHARTERED FINANCE PRIVATELIMITED

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥2y · Maharashtra · Private Limited, Public, Limited Liability Partner
- Financials: rev ≥₹300cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 12–16% · ticket ₹150–800cr · tenure 12–48mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 2nd charge on current assets (100%) · share pledge ≤51% (100%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×1), 2nd charge on current assets (×1), share pledge ≤51% (×1)
- share → in-principle approval (initial interest): ≈42d

## Sanctioned terms (from 18 real sanction letters)

### Sanctioned amount: median ₹9 cr (₹50L–₹35 cr) · RENEWAL ×4 · NEW ×2

- median ₹9 cr (₹50L–₹35 cr) · RENEWAL ×4 · NEW ×2

### Typical security: Hypothecation ×5, Immovable property (shed) ×2, Movable Fixed Assets ×2, Lien & Set-off ×2, Industrial Property ×2, Current assets and movable fixed assets (hypothecation) ×2

- Hypothecation ×5, Immovable property (shed) ×2, Movable Fixed Assets ×2, Lien & Set-off ×2, Industrial Property ×2, Current assets and movable fixed assets (hypothecation) ×2

### Typical covenants: - Other standing covenants — 56% of letters

- Other standing covenants — 56% of letters

### Term sheet by ticket size: (facilities, largest first)

- (facilities, largest first)

## Common questions

### What does Standard Chartered lend?

Standard Chartered writes overdraft / cash credit, purchase invoice discounting, secured term loan, unsecured business loan.

### What are Standard Chartered'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 Standard Chartered ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 2nd charge on current assets (100%) · share pledge ≤51% (100%).

### What documents does Standard Chartered ask for?

Most often cap table / equity. Having these ready before the first call is what shortens the turnaround.

### How do I apply to Standard Chartered?

You do not apply to Standard Chartered directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Standard Chartered'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 Standard Chartered's current policy.