Arka Fincap business loans
Arka Fincap is on Recur Club's lender panel, writing purchase invoice discounting, sales invoice discounting, secured term loan and 1 other products.
- ✓We check your fit against every lender on the panel, not just this one
The screen your file has to clear
What is checked before anything else, and applies to every product below.
- Borrower: CIBIL ≥650
- avoid: Gems and Jewellery, Telecommunications, Financial Services
- Goa, Gujarat, Maharashtra, Madhya Pradesh, Dadra and Nagar Haveli and Daman and Diu, Haryana, Himachal Pradesh, Punjab, Rajasthan, Uttar Pradesh, Uttarakhand, Chandigarh, Delhi, Jammu and Kashmir, Ladakh (varies by product)
- Private Limited, Public, Sole proprietorship, Limited Liability Partner
- sector-agnostic (48 sectors — full list in data JSON)
- Financials: rev ≥₹500cr
25 more ▾ ▴
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- minimum assetsundermanagement: 750
- gross non performing assets: 4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 11–15%
- ticket ₹15–100cr
- tenure 6–48mo
- Security (observed): 1st charge on immovable assets (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Personal Guarantee Of Promoters/Directors (50%)
- FD margin 5–10% (50%)
- 1st charge on P&M (50%)
- 1st/pari-passu charge on current assets (50%)
- Immovable Fixed Assets - Pari Passu First Charge (50%)
- Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (50%)
- FD margin 10–15% (50%)
- median ticket ₹50cr
- median rate 13%
- median turnaround —
- Security asked in : Fixed Deposit <5% (×3), FD margin 5–10% (×3), FD margin 10–15% (×3), FD margin 15–20% (×3)
- Security asked in : Personal Guarantee Of Promoters/Directors (×10), 1st/pari-passu charge on current assets (×8), FD margin 15–20% (×6), Movable Fixed Assets/Plant & Machinery - Second Charge (×3)
- Security asked in 2026: 1st charge on immovable assets (×2), Personal Guarantee Of Promoters / Directors / Property Owner (×2), Personal Guarantee Of Promoters/Directors (×1), FD margin 5–10% (×1)
- share → in-principle approval (initial interest): ≈31d
What Arka Fincap lends, and on what terms
What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.
| Product | Ticket | Pricing | Tenure |
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Also offered, with no terms observed yet: Purchase Invoice Discounting, Sales Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.
What borrowers ask about Arka Fincap
- What does Arka Fincap lend?
- Arka Fincap writes purchase invoice discounting, sales invoice discounting, secured term loan, working capital demand loan.
- What are Arka Fincap'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 Arka Fincap ask for?
- Observed across sanctions: 1st charge on immovable assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%) · Personal Guarantee Of Promoters/Directors (50%) · FD margin 5–10% (50%) · 1st charge on P&M (50%) · 1st/pari-passu charge on current assets (50%) · Immovable Fixed Assets - Pari Passu First Charge (50%) · Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (50%) · FD margin 10–15% (50%).
- How do I apply to Arka Fincap?
- You do not apply to Arka Fincap directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Arka Fincap's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Arka Fincap 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 Arka Fincap screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.
Next steps after Arka Fincap
Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.
Search the panel by name, product or ticket size, and compare credit boxes side by side.
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The underwriting platform these credit boxes come from. Built for lenders and credit teams.
Founder stories from the companies building in India, from the team behind Recur Club.
See whether Arka Fincap is the right lender for you
A few questions. Recur Market scores you against Arka Fincap and the rest of the panel, on each lender's own recorded criteria.
Check my matchLast updated
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 Arka Fincap's current policy. Terms are set by the lender at the time of sanction.