Ujjivan Small business loans
Ujjivan Small is on Recur Club's lender panel, writing distributor financing, purchase invoice discounting.
- ✓We check your fit against every lender on the panel, not just this one
The screen your file has to clear
What is checked before anything else, and applies to every product below.
- Borrower: CIBIL ≥650
- avoidEngineeringProcurementand Construction (EPC)ExplosivesArms and AmmunitionsFinancial ServicesGambling and BettingGems and JewelleryInsuranceLottery BusinessMedia and EntertainmentOthers
- Financials: rev ≥₹500cr
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
8 more ▾ ▴
- DSCR ≥1
- Deal: rate 9–12%
- ticket ₹5–50cr
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 10–15% (67%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×6), FD margin 10–15% (×4), FD margin 5–10% (×1), No Security (×1)
- share → in-principle approval (initial interest): ≈28d
What Ujjivan Small 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 |
|---|
Also offered, with no terms observed yet: Distributor Financing, Purchase Invoice Discounting.
What borrowers ask about Ujjivan Small
- What does Ujjivan Small lend?
- Ujjivan Small writes distributor financing, purchase invoice discounting.
- What are Ujjivan Small'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 Ujjivan Small ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (67%).
- What documents does Ujjivan Small ask for?
- Most often audited financials, bank statements, cap table / equity, gst / integration, legal / kyc. Having these ready before the first call is what shortens the turnaround.
- How do I apply to Ujjivan Small?
- You do not apply to Ujjivan Small directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Ujjivan Small's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
Next steps after Ujjivan Small
Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.
Search the panel by name, product or ticket size, and compare credit boxes side by side.
Registry identity, GST status, charges and ratings for any Indian company, including your own.
The underwriting platform these credit boxes come from. Built for lenders and credit teams.
Founder stories from the companies building in India, from the team behind Recur Club.
See whether Ujjivan Small is the right lender for you
A few questions. Recur Market scores you against Ujjivan Small and the rest of the panel, on each lender's own recorded criteria.
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 Ujjivan Small's current policy. Terms are set by the lender at the time of sanction.