# Vayana Finserv business loans

> Vayana Finserv is on Recur Club's lender panel, writing purchase invoice discounting, vendor financing.

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

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 (purchase invoice discounting) · CIBIL ≥680 (distributor financing, vendor financing) · age ≥2y (purchase invoice discounting) · age ≥5y (distributor financing, vendor financing) · avoid: Gems and Jewellery, Real Estate (non asset Light), Infrastructure · Andaman and Nicobar Islands, Bihar, Chandigarh, Chhattisgarh, Dadra and Nagar Haveli and Daman and Diu, Delhi, Goa, Gujarat, Haryana, Himachal Pradesh, Jharkhand, Karnataka, Kerala, Lakshadweep, Madhya Pradesh, Maharashtra, Odisha, Puducherry, Punjab, Rajasthan, Tamil Nadu, Telangana, Uttar Pradesh, Uttarakhand, West Bengal · Private Limited, Public (varies by product)
- Financials: minimum annualrevenuegrowthrate: -20 (purchase invoice discounting, vendor financing) · minimum annualrevenuegrowthrate: -25 (distributor financing) · rev ≥₹50cr (purchase invoice discounting) · rev ≥₹300cr (vendor financing) · rev ≥₹200cr (distributor financing) · TOL/adjusted tangible net worth ≤5 (purchase invoice discounting) · TOL/adjusted tangible net worth ≤6 (distributor financing, vendor financing) · debt/EBITDA ≤4 (purchase invoice discounting only) · maximum workingcapitalgap: 120 (purchase invoice discounting, vendor financing only) · minimum workingcapitalgap: 10 (purchase invoice discounting, vendor financing only) · debt/networth ≤4 · DSCR ≥1
- Deal: ticket ₹1–5cr (range across products — see matrix) · tenure 12–12mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (60%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×10), FD margin 10–15% (×6), FD margin 15–20% (×4), Escrow Of Cashflows (×1)

## Common questions

### What does Vayana Finserv lend?

Vayana Finserv writes purchase invoice discounting, vendor financing.

### What are Vayana Finserv'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 Vayana Finserv ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (60%).

### How do I apply to Vayana Finserv?

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

### Is Vayana Finserv 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 Vayana Finserv 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 Vayana Finserv's current policy.