# Alteria Capital business loans

> Alteria Capital is on Recur Club's lender panel, writing operating lease, purchase invoice discounting, secured term loan and 2 other products.

Source: https://www.recurclub.com/lenders/alteria-capital
Last updated: 2026-10-20

Also offered, with no terms observed yet: Operating Lease, Purchase Invoice Discounting, Secured Term Loan, Venture Debt, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · pan-India
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 13–18% · ticket ₹5–1000cr · tenure 12–36mo
- Security (observed): 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Security asked in : Fixed Deposit <5% (×1), FD margin 5–10% (×1), FD margin 10–15% (×1), FD margin 15–20% (×1)
- Security asked in : 1st/pari-passu charge on current assets (×5), Personal Guarantee Of Promoters/Directors (×4), FD margin 10–15% (×3), FD margin 15–20% (×2)
- Security asked in 2026: 1st/pari-passu charge on current assets (×3), Personal Guarantee Of Promoters / Directors / Property Owner (×3), FD margin 5–10% (×1), Warrants 5-10% (×1)

## Common questions

### What does Alteria Capital lend?

Alteria Capital writes operating lease, purchase invoice discounting, secured term loan, venture debt, working capital demand loan.

### What are Alteria 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 Alteria Capital ask for?

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

### How do I apply to Alteria Capital?

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

### Is Alteria Capital 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 Alteria Capital 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 Alteria Capital's current policy.