# 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. Source: https://www.recurclub.com/lenders/capsave-finance Last updated: 2026-09-29 ## Products and indicative terms Observed on live transactions. Not an offer or a quote. | Product | Ticket | Rate | Tenure | |---|---|---|---| | Dropline Overdraft | ₹1 cr | 13% | 12 mo | | Purchase Invoice Discounting | ₹2 cr | 13% | 12 mo | | Secured Term Loan | ₹1.5–2 cr | 13–16.5% | 12–18 mo | | Working Capital Demand Loan | ₹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. ## Eligibility ### Will not fund - Rice processing and export is a negative sector - No startups even if they show high cash - Lender advises avoiding the proposal at this stage due to default history, high leverage, and substantial accumulated losses despite recent profitability and equity infusion - Avoid this proposal due to the company's small scale of operations and absence of an integrated (backward-integrated) solar cell manufacturing facility - Please avoid this basis due to thin PAT margins (below 1%), raw material cost volatility linked to crude oil, multiple days past due instances and corporate guarantee/≈30% equity exposure to related entity Prutha Packaging, and negative independent market feedback - Lender exited this borrower's account previously due to repayment issues - Avoid the deal — very thin margin (0.77%) as the company is engaged in trading activity, with Nil/negligible drawing power and an auditor's qualification on verification of creditors - Updated PEC now marks Agriculture and Allied Industries as negative (will not fund) - Company not okay with Capsave WCDL. - Not okay with FD as security. - Rejected changing loan structure from purchase invoice discounting to WCDL and reducing personal guarantees from 3 promoters to 1, stating both significantly impact risk appetite and were not part of original discussions - Capsave rejected the loan application citing hygiene/compliance and revenue mix criteria issues - Company policy does not provide financing to traders - Declined the case because the company is predominantly engaged in trading activities rather than manufacturing - They exited the company earlier and will not take exposure again. - Rejected: client in agro-commodity sector with declining revenue and profit margins over the past two years, not a viable case - Recommends avoiding the deal due to multiple red flags: compliance issues, open NCLT/IBC cases, common directorship across entities, and company strike-offs - Withdrawing from the loan deal due to concerns about the company's profile and its location presenting risk factors - Rejected loan due to municipal waste collection business model with chronically delayed payments and high overdue debtors - Not willing to explore the case further due to credit concerns - No hard security available for the proposed debt, so passing on the current opportunity - Analyst strongly recommends not proceeding with the deal for Rays Power Expert Pvt Ltd given past defaults, CIRP history, governance and compliance issues - Rejected because customer's complete business is in Textile manufacturing - Customer revenue is very small to take an exposure ### Prefers - Only considers profitable companies - Not okay with cash-burning companies unless there is an 18-24 month runway - Wants to do more focused manufacturing sector deals - Prefers manufacturing and services sector borrowers - Prefers borrowers without much balance sheet leverage - …more in playbook - Only considers profitable companies - Not okay with cash-burning companies unless there is an 18-24 month runway - Wants to do more focused manufacturing sector deals - Prefers manufacturing and services sector borrowers - Prefers borrowers without much balance sheet leverage - Can do vendor financing - Trading only acceptable if backed by a brand license - For EPC, prefers reverse factoring, BG-backed structures - Can take hard collateral like land within city limits, funding up to 100% against it - Likes the solar module sector - Rice processing is restricted profile ### Screening gates and observed behaviour - 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) · 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 ## Sanctioned terms (from 7 real sanction letters) ### Sanctioned amount: median ₹1 cr (₹1 cr–₹8 cr) · RENEWAL ×2 · NEW ×2 - median ₹1 cr (₹1 cr–₹8 cr) · RENEWAL ×2 · NEW ×2 ### Typical security: 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 - 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 ### Typical covenants: - Other standing covenants — 71% of letters (e.g. "Any change in the authorised signatory(s) for the auto-debit mandate/cheques provided as security will be done only with prior written consent of the Lender.") - Other standing covenants — 71% of letters (e.g. "Any change in the authorised signatory(s) for the auto-debit mandate/cheques provided as security will be done only with prior written consent of the Lender.") ### Term sheet by ticket size: (facilities, largest first) - (facilities, largest first) ## Common questions ### 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. --- Check which lenders fund a business like yours: https://www.recurclub.com/recur-market All lenders: https://www.recurclub.com/lenders 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.