# Yes Bank business loans

> Yes Bank is on Recur Club's lender panel, writing overdraft / cash credit, purchase invoice discounting, secured term loan and 1 other products.

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

Also offered, with no terms observed yet: Overdraft / Cash Credit, Purchase Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · Andhra Pradesh, Karnataka, Kerala, Tamil Nadu, Telangana, Puducherry, Lakshadweep, Haryana, Himachal Pradesh, Punjab, Rajasthan, Uttar Pradesh, Uttarakhand, Chandigarh, Delhi, Jammu and Kashmir, Ladakh, Goa, Gujarat, Maharashtra, Madhya Pradesh, Dadra and Nagar Haveli and Daman and Diu (varies by product) · Private Limited, Public, Sole proprietorship, Limited Liability Partner · avoid: Real Estate (asset Light), Real Estate (non asset Light), Banking, Financial Services, Insurance (varies by product) · sector-agnostic (45 sectors — full list in data JSON) (varies by product)
- Financials: TOL/adjusted tangible net worth ≤4 · maximum runway: 60 · debt/EBITDA ≤4 (bank guarantee, export financing, import factoring, letter of credit, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan, working capital demand loan) · debt/EBITDA ≤3 (domestic factoring, dropline overdraft, loan against property, loan against securities, machinery loan, vehicle financing, vendor financing) · debt/networth ≤3 · DSCR ≥1
- Deal: rate 8–16% (range across products — see matrix) · ticket ₹5–300cr (range across products — see matrix) · tenure 12–180mo (range across products — see matrix)
- Security (observed): Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (100%) · 1st/pari-passu charge on current assets (100%) · 1st charge on immovable assets (100%) · FD margin 10–15% (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- median ticket ₹10cr
- median rate 12%
- median turnaround —
- Security asked in : Personal Guarantee Of Promoters/Directors (×2), Escrow Of Cashflows (×2), 1st/pari-passu charge on current assets (×2), Fixed Deposit <5% (×1)
- Security asked in : Personal Guarantee Of Promoters/Directors (×2), 1st/pari-passu charge on current assets (×1), Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (×1), Corporate Guarantee (×1)
- Security asked in 2026: Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (×1), 1st/pari-passu charge on current assets (×1), 1st charge on immovable assets (×1), FD margin 10–15% (×1)

## Common questions

### What does Yes Bank lend?

Yes Bank writes overdraft / cash credit, purchase invoice discounting, secured term loan, working capital demand loan.

### What are Yes Bank'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 Yes Bank ask for?

Observed across sanctions: Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (100%) · 1st/pari-passu charge on current assets (100%) · 1st charge on immovable assets (100%) · FD margin 10–15% (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%).

### How do I apply to Yes Bank?

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

### Is Yes Bank 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 Yes Bank 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 Yes Bank's current policy.