# Capinity Partners business loans

> Capinity Partners is on Recur Club's lender panel, writing purchase invoice discounting, secured term loan.

Source: https://www.recurclub.com/lenders/capinity-partners
Last updated: 2026-10-20

Also offered, with no terms observed yet: Purchase Invoice Discounting, 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
- Security (observed): Personal Guarantee Of Promoters/Directors (100%) · 1st/pari-passu charge on current assets (67%) · FD margin 15–20% (67%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×3), 1st/pari-passu charge on current assets (×2), FD margin 15–20% (×2), 1st charge on immovable assets (×1)

## Common questions

### What does Capinity Partners lend?

Capinity Partners writes purchase invoice discounting, secured term loan.

### What are Capinity Partners'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 Capinity Partners ask for?

Observed across sanctions: Personal Guarantee Of Promoters/Directors (100%) · 1st/pari-passu charge on current assets (67%) · FD margin 15–20% (67%).

### How do I apply to Capinity Partners?

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

### Is Capinity Partners 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 Capinity Partners 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 Capinity Partners's current policy.