Recur Swift vs Recur Scale
Both are non-dilutive ways to fund growth through Recur Club, but one is built for speed and smaller tickets, the other for larger, structured capital. Here's how to choose.
Quick verdict
Choose Recur Swift for ultra-fast, non-dilutive capital up to ₹10 Cr with minimal docs and a term sheet in under 24 hours.
Choose Recur Scale for larger, structured debt from ₹5 Cr up to ₹250 Cr for growth-stage companies.
Swift suits recurring-revenue startups moving fast; Scale suits established SMEs raising bigger, structured facilities.
The basics
Recur Swift
Ultra-fast, non-dilutive debt up to ₹10 Cr, sized to your recurring revenue and underwritten on your data. It needs minimal paperwork, no collateral, and no personal guarantee, with a term sheet in under 24 hours and capital within 48 hours.
Recur Scale
Larger, structured debt from ₹5 Cr up to ₹250 Cr for growth-stage companies. It spans secured term loans, venture debt, invoice financing, lease financing, and structured debt, tailored to your business model and growth trajectory.
Recur Swift vs Recur Scale at a glance
| Factor | Recur Swift | Recur Scale |
|---|---|---|
| Ticket size | Up to ₹10 Cr | ₹5 Cr to ₹250 Cr |
| Speed | Term sheet in under 24 hours | Structured, slightly longer setup |
| Documentation | Minimal, data-led | Fuller diligence for larger tickets |
| Instruments | Fast recurring-revenue facility | Term loans, venture debt, invoice, lease, structured |
| Dilution | Zero | Zero |
| Collateral | Not required | May be required for secured facilities |
| Revenue eligibility | ₹5 Cr+ annual recurring revenue | ₹40 Cr+ annual revenue |
| Operating history | 12+ months | 24+ months |
| Best for | Fast, smaller-ticket growth capital | Larger, structured growth financing |
When to choose each
Choose Recur Swift when
- You need capital fast, with a term sheet in under 24 hours.
- Your requirement is up to ₹10 Cr and sized to recurring revenue.
- You want minimal paperwork, no collateral, and no personal guarantee.
- You have ₹5 Cr+ recurring revenue and 12+ months of operations.
Choose Recur Scale when
- You need a larger facility, from ₹5 Cr up to ₹250 Cr.
- You want structured options like secured term loans or venture debt.
- You're a growth-stage company with ₹40 Cr+ annual revenue.
- You have 24+ months of operations and strong unit economics.
How Recur Club matches you to Swift or Scale
Swift and Scale solve different problems: one prioritises speed and simplicity, the other size and structure. Recur Club brings 125+ lenders onto one AI-native platform so the right product and lender find you.
Connect your financial data once and receive an indicative term sheet within 48 hours, whether that's a fast Swift facility or a structured Scale package.
With ₹3,000 Cr+ deployed across 2,000+ companies, our team helps you pick the product that fits your ticket size, timeline, and stage, all without giving up equity.
Frequently Asked Questions
Fund growth at the speed and scale you need
Whether it's Swift or Scale, get an indicative offer in 48 hours with no equity given up.
Not sure which is right? Talk to a capital expert.
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