# Symbiotics business loans

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

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

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥2y · pan-India · positive sector: Agriculture and Allied Industries, Electric Vehicle, Engineering, Procurement, and Construction (EPC), Financial Services, Healthcare, Medical Devices, Renewable Energy, Food Processing · Private Limited, Public
- Financials: EBITDA ≥₹-20cr · runway ≥12mo · rev ≥₹100cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Security (observed): 1st/pari-passu charge on current assets (100%) · Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (50%) · FD margin 15–20% (50%) · Personal Guarantee Of Promoters / Directors / Property Owner (50%)
- Security asked in 2026: 1st/pari-passu charge on current assets (×2), Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (×1), FD margin 15–20% (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1)

## Common questions

### What does Symbiotics lend?

Symbiotics writes secured term loan.

### What are Symbiotics'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 Symbiotics ask for?

Observed across sanctions: 1st/pari-passu charge on current assets (100%) · Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (50%) · FD margin 15–20% (50%) · Personal Guarantee Of Promoters / Directors / Property Owner (50%).

### How do I apply to Symbiotics?

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

### Is Symbiotics 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 Symbiotics 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 Symbiotics's current policy.