# Capwise Financial business loans

> Capwise Financial is on Recur Club's lender panel, writing overdraft / cash credit, secured term loan, venture debt.

Source: https://www.recurclub.com/lenders/capwise-financial
Last updated: 2026-10-20

Also offered, with no terms observed yet: Overdraft / Cash Credit, Secured Term Loan, Venture Debt.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · Private Limited, Public
- Financials: rev ≥₹0.5cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · maximum annualrevenue: 1000 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 15–22% (range across products — see matrix) · ticket ₹1–5cr (range across products — see matrix)
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 1st/pari-passu charge on current assets (100%) · Warrants 5-10% (86%)
- Security asked in : 1st/pari-passu charge on current assets (×1), FD margin 20–30% (×1), FD margin 30–40% (×1), FD margin 40–50% (×1)
- Security asked in : 1st/pari-passu charge on current assets (×6), Personal Guarantee Of Promoters/Directors (×4), FD margin 20–30% (×2), Corporate Guarantee (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×7), 1st/pari-passu charge on current assets (×7), Warrants 5-10% (×6), Warrants >10% (×2)
- share → in-principle approval (initial interest): ≈14d

## Common questions

### What does Capwise Financial lend?

Capwise Financial writes overdraft / cash credit, secured term loan, venture debt.

### What are Capwise Financial'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 Capwise Financial ask for?

Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 1st/pari-passu charge on current assets (100%) · Warrants 5-10% (86%).

### How do I apply to Capwise Financial?

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

### Is Capwise Financial 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 Capwise Financial 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 Capwise Financial's current policy.