Uti Alternatives business loans
Uti Alternatives is on Recur Club's lender panel, writing secured term loan.
- ✓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
- avoid: Mining Companies
- pan-India
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
15 more ▾ ▴
- DSCR ≥1
- Deal: rate 15–18%
- ticket ₹20–150cr
- tenure 12–60mo
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- 1st charge on P&M (100%)
- share pledge ≤51% (50%)
- Escrow Of Cashflows (50%)
- 1st/pari-passu charge on current assets (50%)
- 1st charge on immovable assets (50%)
- Security asked in : Commercial/Office Property/Factory Building - Exclusive First Charge (×1)
- Security asked in : 1st charge on immovable assets (×1), 1st/pari-passu charge on current assets (×1), Personal Guarantee Of Promoters/Directors (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×2), 1st charge on P&M (×2), share pledge ≤51% (×1), Escrow Of Cashflows (×1)
- share → in-principle approval (initial interest): ≈35d
What Uti Alternatives 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 |
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Also offered, with no terms observed yet: Secured Term Loan.
What borrowers ask about Uti Alternatives
- What does Uti Alternatives lend?
- Uti Alternatives writes secured term loan.
- What are Uti Alternatives'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 Uti Alternatives ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 1st charge on P&M (100%) · share pledge ≤51% (50%) · Escrow Of Cashflows (50%) · 1st/pari-passu charge on current assets (50%) · 1st charge on immovable assets (50%).
- What documents does Uti Alternatives ask for?
- Most often debt schedule / sanction letters. Having these ready before the first call is what shortens the turnaround.
- How do I apply to Uti Alternatives?
- You do not apply to Uti Alternatives directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Uti Alternatives's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
Next steps after Uti Alternatives
Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.
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See whether Uti Alternatives is the right lender for you
A few questions. Recur Market scores you against Uti Alternatives and the rest of the panel, on each lender's own recorded criteria.
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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 Uti Alternatives's current policy. Terms are set by the lender at the time of sanction.