Blacksoil Capital business loans
Blacksoil Capital is on Recur Club's lender panel, writing overdraft / cash credit, purchase invoice discounting, sales invoice discounting and 4 other products. Observed tickets run ₹2 cr to ₹40 cr, priced between 13% and 16.2%. Median turnaround from application to disbursal is about 106 days.
- ✓Tickets from ₹2 Cr – ₹40 Cr across 7 products
- ✓Indicative pricing 13% – 16.2%, as quoted on live transactions
- ✓Around 106 days from application to disbursal when the file is clean
- ✓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
- age ≥2y (varies by product)
- pan-India (varies by product)
- avoid: Engineering, Procurement, and Construction (EPC) (varies by product)
- sector-agnostic (55 sectors — full list in data JSON) (varies by product)
- Private Limited, Public (varies by product)
25 more ▾ ▴
- Financials: runway ≥6mo (secured term loan, venture debt, working capital demand loan only)
- rev ≥₹30cr (secured term loan, venture debt, working capital demand loan)
- rev ≥₹100cr (distributor financing, purchase invoice discounting, vendor financing)
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- networth ≥₹10cr (secured term loan, venture debt, working capital demand loan)
- networth ≥₹5cr (distributor financing, purchase invoice discounting, vendor financing)
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 13–18% (range across products — see matrix)
- ticket ₹2–80cr (range across products — see matrix)
- tenure 12–36mo (range across products — see matrix)
- no PEP
- Security (observed): FD margin 10–15% (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- 1st/pari-passu charge on current assets (59%)
- median ticket ₹10cr
- median rate 14%
- median turnaround 106d
- Security asked in : FD margin 20–30% (×9), Personal Guarantee Of Promoters/Directors (×8), 1st/pari-passu charge on current assets (×8), Fixed Deposit <5% (×8)
- Security asked in : 1st/pari-passu charge on current assets (×24), Personal Guarantee Of Promoters/Directors (×19), FD margin 10–15% (×11), FD margin 5–10% (×8)
- Security asked in 2026: FD margin 10–15% (×29), Personal Guarantee Of Promoters / Directors / Property Owner (×29), 1st/pari-passu charge on current assets (×17), FD margin 5–10% (×4)
- share → in-principle approval (initial interest): ≈82d
- in-principle approval → sanction (underwriting): ≈44d
- sanction → disburse (closing): ≈17d
What Blacksoil Capital 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 |
|---|---|---|---|
Purchase Invoice Discounting▾Turnaround ~142d Rejects
Wins
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Behaviour & gates
5 more ▾ ▴
| ₹2 cr | 13% | 12 mo |
Sales Invoice Discounting▾Turnaround ~90d Behaviour & gates
| ₹5 cr | 16.2% | 12 mo |
Secured Term Loan▾Turnaround ~106d Wins
18 more ▾ ▴
Behaviour & gates
5 more ▾ ▴
| ₹40 cr | 14% | 18 mo |
Also offered, with no terms observed yet: Overdraft / Cash Credit, Vendor Financing, Venture Debt, Working Capital Demand Loan.
What a sanction from Blacksoil Capital actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 5 sanction letters carrying the clause.
What borrowers ask about Blacksoil Capital
- What does Blacksoil Capital lend?
- Blacksoil Capital writes overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan, vendor financing, venture debt and 1 further products. Across those, observed facilities run ₹2 cr to ₹40 cr.
- What ticket size does Blacksoil Capital offer?
- Facilities observed on live transactions run from ₹2 cr to ₹40 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does Blacksoil Capital charge?
- Rates observed on live transactions fall between 13% and 16.2% a year. Tenures run 12 to 18 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
- How long does Blacksoil Capital take to disburse?
- About 106 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
- What are Blacksoil 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.
Next steps after Blacksoil Capital
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.
Registry identity, GST status, charges and ratings for any Indian company, including your own.
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 Blacksoil Capital is the right lender for you
A few questions. Recur Market scores you against Blacksoil Capital 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 Blacksoil Capital's current policy. Terms are set by the lender at the time of sanction.