# Ujjivan Small business loans

> Ujjivan Small is on Recur Club's lender panel, writing distributor financing, purchase invoice discounting.

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

Also offered, with no terms observed yet: Distributor Financing, Purchase Invoice Discounting.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · avoid: Engineering, Procurement, and Construction (EPC), Explosives, Arms and Ammunitions, Financial Services, Gambling and Betting, Gems and Jewellery, Insurance, Lottery Business, Media and Entertainment, Others, Services, Services for Mining Industry, Tech Services, Tobacco Products, Trading
- Financials: rev ≥₹500cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · 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

## Common questions

### 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.

---

Check which lenders fund a business like yours: https://www.recurclub.com/recur-market
All lenders: https://www.recurclub.com/lenders

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.