# White Whale business loans

> White Whale is on Recur Club's lender panel, writing secured term loan.

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

Also offered, with no terms observed yet: Secured Term Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 16–18% · ticket ₹0–10cr · tenure 12–84mo

## Common questions

### What does White Whale lend?

White Whale writes secured term loan.

### What are White Whale'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.

### How do I apply to White Whale?

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

### Is White Whale 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 White Whale 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 White Whale's current policy.