What ticket size does Capitalxb Finance offer?

Facilities observed on live transactions run from ₹2 cr to ₹2 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

What rate does Capitalxb Finance charge?

Rates observed on live transactions fall between 12% and 15% a year. Tenures run 12 to 12 months. These are observed figures, not a quote, and the rate you are offered depends on your file.

How long does Capitalxb Finance take to disburse?

About 18 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 Capitalxb Finance'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.

Lender profile

Capitalxb Finance business loans

Capitalxb Finance is on Recur Club's lender panel, writing domestic factoring, export financing, purchase invoice discounting. Observed tickets run ₹2 cr to ₹2 cr, priced between 12% and 15%. Median turnaround from application to disbursal is about 18 days.

✓Tickets from ₹2 Cr – ₹2 Cr across 3 products
✓Indicative pricing 12% – 15%, as quoted on live transactions
✓We check your fit against every lender on the panel, not just this one

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Products live

— The screen your file has to clear

The screen your file has to clear

What is checked before anything else, and applies to every product below.

Behaviour & gates

Borrower: CIBIL ≥650
age ≥3y
avoid
Gems and JewelleryReal Estate (non asset Light)InfrastructureEngineeringProcurementand Construction (EPC)Defence Manufacturing (varies by product)
34 approved states (list → data JSON)
Private Limited, Public, Sole proprietorship, Limited Liability Partner
sector-agnostic (42 sectors — full list in data JSON) (varies by product)

15 more ▾

Financials: rev ≥₹100cr (domestic factoring, purchase invoice discounting)
rev ≥₹30cr (export financing)
TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
debt/networth ≤4
DSCR ≥1
Deal: ticket ₹0–5cr
tenure 12–12mo
Security (observed): Escrow Of Cashflows (100%)
Personal Guarantee Of Promoters / Directors / Property Owner (78%)
Security asked in : Personal Guarantee Of Promoters / Directors / Property Owner (×2), Escrow Of Cashflows (×2), Personal Guarantee Of Promoters/Directors (×1), FD margin 5–10% (×1)
Security asked in 2026: Escrow Of Cashflows (×9), Personal Guarantee Of Promoters / Directors / Property Owner (×7), FD margin 10–15% (×1), FD margin 15–20% (×1)
share → in-principle approval (initial interest): ≈39d
in-principle approval → sanction (underwriting): ≈13d
sanction → disburse (closing): ≈3d

— Products & indicative terms

What Capitalxb Finance 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
Export Financing▾▴ Turnaround ~51d Rejects Negative sectors Gems and JewelleryReal Estate (non asset Light)InfrastructureEngineeringProcurementand Construction (EPC)Defence Manufacturing [setSystem User] Wins Director overdue: 0.001 INR Cr [set , System User] Director CIBIL: 650 [set , System User] States: 34 approved states → data JSON [set , System User] Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner [set , System User] 13 more ▾ ▴ Min company age (yr): 3 Years [set , System User] Min EBITDA (₹cr): 0 [set , System User] Min revenue (₹cr): 30 [set , System User] TOL: 5 [set , System User] Debt / EBITDA: 4 [set , System User] Pat: 0 INR Cr [set , System User] Min Networth: 0 INR Cr [set , System User] Debt / Net worth: 4 [set , System User] Debt Service Coverage Ratio: 1 [set , System User] Offered terms (past deals): rate 12–12–12% ₹2–2–2 Cr 12–12–12 mo Turnaround: ≈51 days (share→disburse) Behaviour & gates Min tenure (mo): 12 Months [set , System User] Min ticket (₹cr): 0 [set , System User] Max tenure (mo): 12 Months [set , System User] Min rate (%): 15 [set , System User] Max ticket (₹cr): 5 [set , System User] Security required: ['Escrow Of Cashflows'] [set , System User] 2 more ▾ ▴ Amount — stated 0–5 Cr, actually offered 2–2 Cr → within stated band Tenure — stated 12–12 mo, actually offered 12–12 mo → within stated band	₹2 cr	12%	12 mo
Purchase Invoice Discounting▾▴ Turnaround ~18d Rejects Negative sectors Gems and JewelleryReal Estate (non asset Light)InfrastructureEngineeringProcurementand Construction (EPC)Defence ManufacturingTrading [setKhushbu Chheda] Wins Director overdue: 0.001 INR Cr [set , Khushbu Chheda] States: 34 approved states → data JSON [set , Khushbu Chheda] Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner [set , Khushbu Chheda] Min company age (yr): 3 Years [set , Khushbu Chheda] 13 more ▾ ▴ Director CIBIL: 650 [set , Khushbu Chheda] Min EBITDA (₹cr): 0 [set , Khushbu Chheda] Min revenue (₹cr): 100 [set , Khushbu Chheda] TOL: 5 [set , Khushbu Chheda] Debt / EBITDA: 4 [set , Khushbu Chheda] Pat: 0 INR Cr [set , Khushbu Chheda] Min Networth: 0 INR Cr [set , Khushbu Chheda] Debt / Net worth: 4 [set , Khushbu Chheda] Debt Service Coverage Ratio: 1 [set , Khushbu Chheda] Offered terms (past deals): rate 15–15–15% ₹2–2–2 Cr 12–12–12 mo Turnaround: ≈18 days (share→disburse) Behaviour & gates Min tenure (mo): 12 Months [set , Khushbu Chheda] Min ticket (₹cr): 0 [set , Khushbu Chheda] Max tenure (mo): 12 Months [set , Khushbu Chheda] Min rate (%): 15 [set , Khushbu Chheda] Max ticket (₹cr): 5 [set , Khushbu Chheda] Amount — stated 0–5 Cr, actually offered 2–2 Cr → within stated band 1 more ▾ ▴ Tenure — stated 12–12 mo, actually offered 12–12 mo → within stated band	₹2 cr	15%	12 mo

Also offered, with no terms observed yet: Domestic Factoring.

— Common questions

What borrowers ask about Capitalxb Finance

What does Capitalxb Finance lend?: Capitalxb Finance writes domestic factoring, export financing, purchase invoice discounting. Across those, observed facilities run ₹2 cr to ₹2 cr.
What ticket size does Capitalxb Finance offer?: Facilities observed on live transactions run from ₹2 cr to ₹2 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does Capitalxb Finance charge?: Rates observed on live transactions fall between 12% and 15% a year. Tenures run 12 to 12 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
How long does Capitalxb Finance take to disburse?: About 18 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 Capitalxb Finance'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 Capitalxb Finance

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Last updated 29 September 2026

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 Capitalxb Finance's current policy. Terms are set by the lender at the time of sanction.