# TradeCred business loans

> TradeCred is on Recur Club's lender panel, writing operating lease, sales invoice discounting, secured term loan and 1 other products.

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

Also offered, with no terms observed yet: Operating Lease, Sales Invoice Discounting, Secured Term Loan, Working Capital Demand 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
- Deal: rate 14–18% · ticket ₹5–1000cr · tenure 12–36mo
- Security (observed): Personal Guarantee Of Promoters/Directors (100%) · 1st/pari-passu charge on current assets (50%) · Fixed Deposit <5% (50%) · FD margin 5–10% (50%) · FD margin 10–15% (50%) · FD margin 15–20% (50%) · FD margin 20–30% (50%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×2), 1st/pari-passu charge on current assets (×2), Fixed Deposit <5% (×2), FD margin 5–10% (×2)
- Security asked in : Personal Guarantee Of Promoters/Directors (×2), 1st/pari-passu charge on current assets (×1), Fixed Deposit <5% (×1), FD margin 5–10% (×1)

## Common questions

### What does TradeCred lend?

TradeCred writes operating lease, sales invoice discounting, secured term loan, working capital demand loan.

### What are TradeCred'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 TradeCred ask for?

Observed across sanctions: Personal Guarantee Of Promoters/Directors (100%) · 1st/pari-passu charge on current assets (50%) · Fixed Deposit <5% (50%) · FD margin 5–10% (50%) · FD margin 10–15% (50%) · FD margin 15–20% (50%) · FD margin 20–30% (50%).

### How do I apply to TradeCred?

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

### Is TradeCred 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 TradeCred 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 TradeCred's current policy.