Unity Small business loans
Unity Small is on Recur Club's lender panel, writing cgtmsme term loan, operating lease, overdraft / cash credit and 5 other products. Observed tickets run ₹5 cr to ₹20 cr, priced between 13% and 16%. Median turnaround from application to disbursal is about 172 days.
- ✓Tickets from ₹5 Cr – ₹20 Cr across 8 products
- ✓Indicative pricing 13% – 16%, as quoted on live transactions
- ✓Around 172 days from application to disbursal when the file is clean
- ✓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: age ≥2y
- CIBIL ≥650
- avoid: Gambling and Betting, Lottery Business
- pan-India
- Private Limited, Public
- Financials: runway ≥12mo
20 more ▾ ▴
- rev ≥₹40cr
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- networth ≥₹15cr
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 11.5–16% (range across products — see matrix)
- ticket ₹5–40cr
- tenure 12–36mo (range across products — see matrix)
- no PEP
- Security (observed): 1st/pari-passu charge on current assets (100%)
- FD margin 10–15% (93%)
- Personal Guarantee Of Promoters / Directors / Property Owner (73%)
- median ticket ₹10cr
- median rate 13%
- median turnaround 172d
- Security asked in : Fixed Deposit <5% (×2), FD margin 5–10% (×2), FD margin 10–15% (×2), FD margin 15–20% (×2)
- Security asked in : 1st/pari-passu charge on current assets (×14), Personal Guarantee Of Promoters/Directors (×10), FD margin 10–15% (×9), FD margin 5–10% (×7)
- Security asked in 2026: 1st/pari-passu charge on current assets (×15), FD margin 10–15% (×14), Personal Guarantee Of Promoters / Directors / Property Owner (×11), 1st charge on P&M (×4)
- share → in-principle approval (initial interest): ≈20d
What Unity 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 |
|---|---|---|---|
Secured Term Loan▾Turnaround ~276d Rejects
Wins
12 more ▾ ▴
Behaviour & gates
5 more ▾ ▴
| ₹5 cr | 15–16% | 24 mo |
Venture Debt▾Turnaround ~69d Behaviour & gates
| ₹20 cr | 13% | 24 mo |
Also offered, with no terms observed yet: Cgtmsme Term Loan, Operating Lease, Overdraft / Cash Credit, Purchase Invoice Discounting, Sales Invoice Discounting, Working Capital Demand Loan.
What a sanction from Unity Small 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 21 sanction letters carrying the clause.
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
- Fixed Deposit4 letters
- Demand Promissory Note and Letter of Continuity4 letters
- Demand Promissory Note1 letters
- Current assets and movable fixed assets (hypothecation)1 letters
- Current Assets1 letters
- Fixed Deposit / Security Deposit1 letters
- Fixed Deposit ×4, Demand Promissory Note and Letter of Continuity ×4, Demand Promissory Note ×1, Current assets and movable fixed assets (hypothecation) ×1, Current Assets ×1, Fixed Deposit / Security Deposit ×1
What borrowers ask about Unity Small
- What does Unity Small lend?
- Unity Small writes cgtmsme term loan, operating lease, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan and 2 further products. Across those, observed facilities run ₹5 cr to ₹20 cr.
- What ticket size does Unity Small offer?
- Facilities observed on live transactions run from ₹5 cr to ₹20 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does Unity Small charge?
- Rates observed on live transactions fall between 13% and 16% a year. Tenures run 24 to 24 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
- How long does Unity Small take to disburse?
- About 172 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 Unity 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.
Next steps after Unity 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 Unity Small is the right lender for you
A few questions. Recur Market scores you against Unity 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 Unity Small's current policy. Terms are set by the lender at the time of sanction.