# Volo Fin business loans

> Volo Fin is on Recur Club's lender panel, writing export financing, sales invoice discounting, working capital demand loan.

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

Also offered, with no terms observed yet: Export Financing, Sales Invoice Discounting, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · avoid: Chemicals, Defence Manufacturing, Explosives, Arms and Ammunitions, Gems and Jewellery, Gambling and Betting, FMCG, Media and Entertainment, Lottery Business, Services, Services for Mining Industry
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 8–15% · tenure 12–12mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 15–20% (50%) · FD margin 10–15% (50%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×2), Escrow Of Cashflows (×1), Fixed Deposit <5% (×1), FD margin 5–10% (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×2), FD margin 15–20% (×1), FD margin 10–15% (×1)
- share → in-principle approval (initial interest): ≈0d

## Common questions

### What does Volo Fin lend?

Volo Fin writes export financing, sales invoice discounting, working capital demand loan.

### What are Volo Fin'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 Volo Fin ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 15–20% (50%) · FD margin 10–15% (50%).

### How do I apply to Volo Fin?

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

### Is Volo Fin 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 Volo Fin screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.

---

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 Volo Fin's current policy.