Lender profile
UC Inclusive business loans
UC Inclusive is on Recur Club's lender panel, writing operating lease, purchase invoice discounting, sales invoice discounting and 3 other products. Observed tickets run ₹3 cr to ₹3 cr, priced between 16.8% and 16.8%. Median turnaround from application to disbursal is about 29 days.
- ✓Tickets from ₹3 Cr – ₹3 Cr across 6 products
- ✓Indicative pricing 16.8% – 16.8%, as quoted on live transactions
- ✓We check your fit against every lender on the panel, not just this one
6
Products live
₹2.5 Cr
Median sanction
11
Sanction letters read
— The screen your file has to clear
The screen your file has to clear
What is checked before anything else, and applies to every product below.
Rejects
- Preference is now equity-backed companies — e.g. 'Neercare wouldn't fly in the system today'
- Evaluated this borrower in the past, has been in touch, and is not interested
- Received term sheet for 5 Cr but had to drop and pass since company couldn't comply with conditions precedent of Audited Financials and compliance clearance by October
- will not get pari passu
4 more ▾ ▴
- Not okay with pari passu charge
- Pricing won't work
- Not comfortable due to PEP (politically exposed person) status
- Not okay with second charge
Wins
- For WC lines, tries to lend only where backed by a working-capital asset
- For non-FS cases, prefers profitable SMEs with no institutional investor
- Aggressive on FS (financial-statement backed) cases; non-FS cases restricted to redeployment in existing/old companies
- Considers this deal quite early stage for their appetite
9 more ▾ ▴
- Uncomfortable with group corporate structures
- …more in playbook
- Deployment pace slowed in Q3, expected to scale back up in Q4
- Lender has a bridge equity round of ₹35-40cr in process
- Minimum runway requirement of 0.9x to 1x
- From December, focus is shifting to existing clients and collections
- Requires minimum runway of 12 months before funding WC lines
- Targeting fresh disbursement of ₹45cr in February
- Has gotten a little stricter on runway criteria recently
Behaviour & gates
- Borrower: CIBIL ≥650
- age ≥1y
- avoidExplosivesArms and AmmunitionsGambling and BettingInfrastructureLottery BusinessMetals and MiningMining CompaniesMining EquipmentMining TechOil and GasPortsPower
- pan-India
- Private Limited, Public
- Financials: runway ≥9mo
18 more ▾ ▴
- rev ≥₹1cr
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- networth ≥₹2cr
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 16.5–18%
- ticket ₹1–8cr
- tenure 12–36mo (range across products — see matrix)
- no PEP
- Security (observed): 1st/pari-passu charge on current assets (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (80%)
- Security asked in : 1st/pari-passu charge on current assets (×6), Personal Guarantee Of Promoters/Directors (×4), Escrow Of Cashflows (×3), Fixed Deposit <5% (×2)
- Security asked in : 1st/pari-passu charge on current assets (×17), Personal Guarantee Of Promoters/Directors (×12), FD margin 10–15% (×4), FD margin 15–20% (×4)
- Security asked in 2026: 1st/pari-passu charge on current assets (×5), Personal Guarantee Of Promoters / Directors / Property Owner (×4), FD margin 10–15% (×2), Escrow Of Cashflows (×1)
- share → in-principle approval (initial interest): ≈0d
- in-principle approval → sanction (underwriting): ≈50d
- sanction → disburse (closing): ≈0d
— Products & indicative terms
What UC Inclusive lends, and on what terms
What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.
| Product | Ticket | Pricing | Tenure |
|---|---|---|---|
Secured Term Loan▾Turnaround ~-53d Rejects
Wins
22 more ▾ ▴
Behaviour & gates
31 more ▾ ▴
| ₹3 cr | 16.8% | 36 mo |
Also offered, with no terms observed yet: Working Capital Demand Loan, Operating Lease, Purchase Invoice Discounting, Sales Invoice Discounting, Venture Debt.
— Typical term sheet
What a sanction from UC Inclusive actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 11 sanction letters carrying the clause.
Periodic reporting / MIS obligation82%
— Security & covenants
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
- Undated Cheques2 letters
- Current Assets2 letters
- Fixed Assets (Batteries)2 letters
- Fixed assets
- Current Assets
- and non-current assets (including intangibles)1 letters
- Fixed and Current Assets (Hypothecation)1 letters
- Security Cheques (Post Dated Cheques)1 letters
- Undated Cheques ×2, Current Assets ×2, Fixed Assets (Batteries) ×2, Fixed assets, Current Assets, and non-current assets (including intangibles) ×1, Fixed and Current Assets (Hypothecation) ×1, Security Cheques (Post Dated Cheques) ×1
— Common questions
What borrowers ask about UC Inclusive
- What does UC Inclusive lend?
- UC Inclusive writes operating lease, purchase invoice discounting, sales invoice discounting, secured term loan, venture debt, working capital demand loan. Across those, observed facilities run ₹3 cr to ₹3 cr.
- What ticket size does UC Inclusive offer?
- Facilities observed on live transactions run from ₹3 cr to ₹3 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does UC Inclusive charge?
- Rates observed on live transactions fall between 16.8% and 16.8% a year. Tenures run 36 to 36 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
- How long does UC Inclusive take to disburse?
- About 29 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
- What are UC Inclusive'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.
Next steps after UC Inclusive
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Check my matchLast updated
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 UC Inclusive's current policy. Terms are set by the lender at the time of sanction.