# Aavishkaar Capital business loans

> Aavishkaar Capital is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/aavishkaar-capital
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: ticket ₹30–50cr
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 1st/pari-passu charge on current assets (100%)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×1), 1st/pari-passu charge on current assets (×1)
- share → in-principle approval (initial interest): ≈17d

## Common questions

### What does Aavishkaar Capital lend?

Aavishkaar Capital writes secured term loan.

### What are Aavishkaar Capital'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 Aavishkaar Capital ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 1st/pari-passu charge on current assets (100%).

### What documents does Aavishkaar Capital ask for?

Most often cap table / equity, contracts/work orders, debt schedule / sanction letters, term sheet. Having these ready before the first call is what shortens the turnaround.

### How do I apply to Aavishkaar Capital?

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

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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 Aavishkaar Capital's current policy.