# Unloq business loans

> Unloq is on Recur Club's lender panel, writing import factoring.

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

Also offered, with no terms observed yet: Import Factoring.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · avoid: Gems and Jewellery, FMCG, Explosives, Arms and Ammunitions, Defence Manufacturing, Lottery Business, Media and Entertainment, Services, Services for Mining Industry · Private Limited, Limited Liability Partner
- Financials: rev ≥₹500cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 12–15% · ticket ₹2–25cr · tenure 12–12mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×2)

## Common questions

### What does Unloq lend?

Unloq writes import factoring.

### What are Unloq'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 Unloq ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%).

### How do I apply to Unloq?

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

### Is Unloq 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 Unloq 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 Unloq's current policy.