What does Capsave Finance lend?

Capsave Finance writes domestic factoring, dropline overdraft, loan against property, operating lease, overdraft / cash credit, purchase invoice discounting and 3 further products. Across those, observed facilities run ₹1 cr to ₹5 cr.

What ticket size does Capsave Finance offer?

Facilities observed on live transactions run from ₹1 cr to ₹5 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

What rate does Capsave Finance charge?

Rates observed on live transactions fall between 13% and 16.5% 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 Capsave Finance take to disburse?

About 58 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 Capsave 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

Capsave Finance business loans

Capsave Finance is on Recur Club's lender panel, writing domestic factoring, dropline overdraft, loan against property and 6 other products. Observed tickets run ₹1 cr to ₹5 cr, priced between 13% and 16.5%. Median turnaround from application to disbursal is about 58 days.

✓Tickets from ₹1 Cr – ₹5 Cr across 9 products
✓Indicative pricing 13% – 16.5%, as quoted on live transactions
✓Around 58 days from application to disbursal when the file is clean
✓We check your fit against every lender on the panel, not just this one

Check your fit →See a typical term sheet

Products live

₹1 Cr

Median sanction

Days median turnaround

Sanction letters read

— 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.

Rejects

Won't fund (stated policy): Gems and Jewellery
Real Estate (non asset Light)
Financial Services
Gambling and Betting

4 more ▾

Explosives, Arms and Ammunitions
+1 more (playbook)
Selective / conditional (stated policy): Steel
Textiles

Behaviour & gates

Borrower: CIBIL ≥650
age ≥2y (overdraft / cash credit)
age ≥3y (trade receivables discounting system)
avoid: Infrastructure, Engineering, Procurement, and Construction (EPC) (varies by product)
pan-India (varies by product)
Private Limited, Public (varies by product)

24 more ▾

sector-agnostic (39 sectors — full list in data JSON) (varies by product)
Financials: EBITDA ≥₹2cr (varies by product)
rev ≥₹50cr (domestic factoring, dropline overdraft, finance lease, machinery loan, purchase invoice discounting, sales invoice discounting, working capital demand loan)
rev ≥₹250cr (trade receivables discounting system)
debt/EBITDA ≤4
debt/networth ≤4
TOL/adjusted tangible net worth ≤5 (varies by product)
DSCR ≥1 (varies by product)
Deal: rate 12–18% (range across products — see matrix)
ticket ₹0.1–100cr (range across products — see matrix)
tenure 3–60mo (range across products — see matrix)
no PEP
Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
FD margin 10–15% (85%)
median ticket ₹5cr
median rate 14%
median turnaround 58d
Security asked in : Personal Guarantee Of Promoters/Directors (×1)
Security asked in : FD margin 20–30% (×10), Fixed Deposit <5% (×9), FD margin 5–10% (×9), FD margin 10–15% (×9)
Security asked in : Personal Guarantee Of Promoters/Directors (×36), 1st/pari-passu charge on current assets (×22), FD margin 10–15% (×20), FD margin 5–10% (×14)
Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×34), FD margin 10–15% (×29), 1st/pari-passu charge on current assets (×4), FD margin 15–20% (×4)
share → in-principle approval (initial interest): ≈13d
in-principle approval → sanction (underwriting): ≈18d
sanction → disburse (closing): ≈6d

— Products & indicative terms

What Capsave 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
Dropline Overdraft▾▴ Turnaround ~58d Rejects Negative sectors Oil and GasGems and JewelleryInfrastructureAgriculture and Allied IndustriesSteelServices for Mining IndustryEngineeringProcurementand Construction (EPC) Wins Director overdue: 0.001 INR Cr States: pan-India Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner Director CIBIL: 650 17 more ▾ ▴ Min EBITDA (₹cr): 2 Min revenue (₹cr): 50 Debt / EBITDA: 4 Debt Service Coverage Ratio: 1 Debt / Net worth: 4 Offered terms (past deals): rate 13–13–13% ₹1–1–1 Cr 12–12–12 mo Turnaround: ≈58 days (share→disburse) Asks for Term sheet (×6) Asks for Bank statements (×3) Asks for Cap table / equity (×3) Asks for GST / integration (×3) Asks for Receivable/inventory ageing (×3) Asks for Audited financials (×2) Asks for Provisional financials (×2) Asks for Legal / KYC (×1) Behaviour & gates Min tenure (mo): 12 Months Min ticket (₹cr): 1 Max tenure (mo): 12 Months Min rate (%): 12 Politically Exposed Person: No Max ticket (₹cr): 100 5 more ▾ ▴ Security required: ['Personal Guarantee of Promoters / Directors / Property Owner', 'Fixed Deposit 10 - 15%'], ['Charge On Current Assets - Pari Passu First Charge', 'Personal Guarantee of Promoters / Directors / Property Owner', 'Fixed Deposit 10 - 15%'], ['Charge On Current Assets - Second Charge', 'Charge On Movable Fixed Assets/Plant & Machinery - Second Charge', 'Personal Guarantee of Promoters / Directors / Property Owner', 'Fixed Deposit 15 - 20%'], ['Bank Guarantee'] Max rate (%): 16 rate — stated 12–16%, actually offered 13–13% → within stated band Amount — stated 1–100 Cr, actually offered 1–1 Cr → within stated band Tenure — stated 12–12 mo, actually offered 12–12 mo → within stated band	₹1 cr	13%	12 mo
Purchase Invoice Discounting▾▴ Turnaround ~37d Rejects Negative sectors Oil and GasGems and JewelleryInfrastructureAgriculture and Allied IndustriesSteelServices for Mining IndustryEngineeringProcurementand Construction (EPC)Trading Wins Director overdue: 0.001 INR Cr States: pan-India Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner Director CIBIL: 650 16 more ▾ ▴ Min EBITDA (₹cr): 2 Min revenue (₹cr): 50 Debt / EBITDA: 4 Debt / Net worth: 4 Offered terms (past deals): rate 13–13–13% ₹2–2–2 Cr 12–12–12 mo Turnaround: ≈37 days (share→disburse) Asks for Term sheet (×9) Asks for Cap table / equity (×6) Asks for Provisional financials (×4) Asks for Bank statements (×3) Asks for Debt schedule / sanction letters (×3) Asks for GST / integration (×2) Asks for Receivable/inventory ageing (×2) Asks for Audited financials (×1) Behaviour & gates Min tenure (mo): 12 Months Min ticket (₹cr): 1 Max tenure (mo): 12 Months Min rate (%): 12 Max ticket (₹cr): 10 Security required: ['Personal Guarantee of Promoters / Directors / Property Owner', 'Fixed Deposit 10 - 15%'], ['Charge On Current Assets - Pari Passu First Charge', 'Fixed Deposit 5 - 10%', 'Personal Guarantee of Promoters / Directors / Property Owner'] 4 more ▾ ▴ Max rate (%): 16 rate — stated 12–16%, actually offered 13–13% → within stated band Amount — stated 1–10 Cr, actually offered 2–2 Cr → within stated band Tenure — stated 12–12 mo, actually offered 12–12 mo → within stated band	₹2 cr	13%	12 mo
Secured Term Loan▾▴ Turnaround ~84d Wins Asks for GST / integration (×3) Asks for Term sheet (×3) Asks for Bank statements (×2) Asks for Receivable/inventory ageing (×2) 4 more ▾ ▴ Asks for Audited financials (×1) Asks for Cap table / equity (×1) Asks for Debt schedule / sanction letters (×1) Asks for Legal / KYC (×1) Behaviour & gates Offered terms (past deals): rate 13–14–16.5% ₹1.5–1.5–2 Cr 12–12–18 mo Turnaround: ≈84 days (share→disburse)	₹1.5–2 cr	13–16.5%	12–18 mo
Working Capital Demand Loan▾▴ Turnaround ~191d Rejects Negative sectors Oil and GasGems and JewelleryInfrastructureAgriculture and Allied IndustriesSteelServices for Mining IndustryEngineeringProcurementand Construction (EPC) Wins Director overdue: 0.001 INR Cr States: pan-India Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner Director CIBIL: 650 16 more ▾ ▴ Min EBITDA (₹cr): 2 Min revenue (₹cr): 50 Debt / EBITDA: 4 Debt Service Coverage Ratio: 1 Debt / Net worth: 4 Offered terms (past deals): rate 14–14.2–14.5% ₹5–5–5 Cr 12–12–12 mo Turnaround: ≈191 days (share→disburse) Asks for GST / integration (×3) Asks for Audited financials (×2) Asks for Bank statements (×2) Asks for Receivable/inventory ageing (×2) Asks for Term sheet (×2) Asks for Cap table / equity (×1) Asks for Legal / KYC (×1) Behaviour & gates Min tenure (mo): 12 Months Min ticket (₹cr): 1 Max tenure (mo): 12 Months Min rate (%): 12 Politically Exposed Person: No Max ticket (₹cr): 100 5 more ▾ ▴ Security required: ['Personal Guarantee of Promoters / Directors / Property Owner', 'Fixed Deposit 10 - 15%'], ['Charge On Current Assets - Pari Passu First Charge', 'Personal Guarantee of Promoters / Directors / Property Owner', 'Fixed Deposit 10 - 15%'], ['Charge On Current Assets - Second Charge', 'Charge On Movable Fixed Assets/Plant & Machinery - Second Charge', 'Personal Guarantee of Promoters / Directors / Property Owner', 'Fixed Deposit 15 - 20%'], ['Bank Guarantee'] Max rate (%): 16 rate — stated 12–16%, actually offered 14–14.5% → within stated band Amount — stated 1–100 Cr, actually offered 5–5 Cr → within stated band Tenure — stated 12–12 mo, actually offered 12–12 mo → within stated band	₹5 cr	14–14.5%	12 mo

Also offered, with no terms observed yet: Domestic Factoring, Loan Against Property, Operating Lease, Overdraft / Cash Credit, Sales Invoice Discounting.

— Typical term sheet

What a sanction from Capsave Finance 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.

Indicative

How often each clause appears

Share of the 7 sanction letters carrying the clause.

Other standing covenants71%

— Security & covenants

What they will ask you to pledge

Counted across the sanction letters read. A combination is normal, and most files carry more than one.

Fixed Deposit3 letters
Cash collateral / Security Deposit2 letters
auto-debit mandate / Undated Cheques2 letters
Movable fixed assets & current assets (hypothecation)1 letters
Repayment instrument (auto-debit mandate/UDC)1 letters
Movable fixed assets and current assets (hypothecation)1 letters

Fixed Deposit ×3, Cash collateral / Security Deposit ×2, auto-debit mandate / Undated Cheques ×2, Movable fixed assets & current assets (hypothecation) ×1, Repayment instrument (auto-debit mandate/UDC) ×1, Movable fixed assets and current assets (hypothecation) ×1

— Common questions

What borrowers ask about Capsave Finance

What does Capsave Finance lend?: Capsave Finance writes domestic factoring, dropline overdraft, loan against property, operating lease, overdraft / cash credit, purchase invoice discounting and 3 further products. Across those, observed facilities run ₹1 cr to ₹5 cr.
What ticket size does Capsave Finance offer?: Facilities observed on live transactions run from ₹1 cr to ₹5 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does Capsave Finance charge?: Rates observed on live transactions fall between 13% and 16.5% 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 Capsave Finance take to disburse?: About 58 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 Capsave 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 Capsave Finance

Check your match

Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.

Browse every lender

Search the panel by name, product or ticket size, and compare credit boxes side by side.

Look up a company

Registry identity, GST status, charges and ratings for any Indian company, including your own.

AICA

The underwriting platform these credit boxes come from. Built for lenders and credit teams.

Bharat Ke SuperFounders

Founder stories from the companies building in India, from the team behind Recur Club.

See whether Capsave Finance is the right lender for you

A few questions. Recur Market scores you against Capsave Finance and the rest of the panel, on each lender's own recorded criteria.

Check my match

Last updated 13 October 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 Capsave Finance's current policy. Terms are set by the lender at the time of sanction.