# 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.

Source: https://www.recurclub.com/lenders/capitalxb-finance
Last updated: 2026-09-29

## Products and indicative terms

Observed on live transactions. Not an offer or a quote.

| Product | Ticket | Rate | Tenure |
|---|---|---|---|
| Export Financing | ₹2 cr | 12% | 12 mo |
| Purchase Invoice Discounting | ₹2 cr | 15% | 12 mo |

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · age ≥3y · avoid: Gems and Jewellery, Real Estate (non asset Light), Infrastructure, Engineering, Procurement, and 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)
- 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

## Common questions

### 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.

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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 Capitalxb Finance's current policy.