# Capital Small business loans

> Capital Small is on Recur Club's lender panel, writing secured term loan, working capital demand loan.

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

Also offered, with no terms observed yet: Secured Term Loan, Working Capital Demand 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: rate 12–18% · ticket ₹5–1000cr · tenure 12–48mo
- Security (observed): Personal Guarantee Of Promoters/Directors (100%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×1)

## Common questions

### What does Capital Small lend?

Capital Small writes secured term loan, working capital demand loan.

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

Observed across sanctions: Personal Guarantee Of Promoters/Directors (100%).

### How do I apply to Capital Small?

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

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