Drip Capital business loans
Drip Capital is on Recur Club's lender panel, writing export financing, import factoring, sales invoice discounting and 1 other products. Observed tickets run ₹4.8 cr to ₹4.8 cr, priced between 13% and 13%. Median turnaround from application to disbursal is about 57 days.
- ✓Tickets from ₹4.8 Cr – ₹4.8 Cr across 4 products
- ✓Indicative pricing 13% – 13%, as quoted on live transactions
- ✓Around 57 days from application to disbursal when the file is clean
- ✓We check your fit against every lender on the panel, not just this one
The screen your file has to clear
What is checked before anything else, and applies to every product below.
- Borrower: CIBIL ≥650
- age ≥3y (import factoring only)
- avoid: Gems and Jewellery (varies by product)
- pan-India
- sector-agnostic (43 sectors — full list in data JSON) (varies by product)
- Private Limited, Public, Sole proprietorship, Limited Liability Partner (varies by product)
22 more ▾ ▴
- Financials: EBITDA ≥₹1cr (import factoring only)
- rev ≥₹5cr (import factoring)
- rev ≥₹30cr (export financing)
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- networth ≥₹1cr (import factoring only)
- debt/networth ≤4
- DSCR ≥1
- runway ≥12mo (export financing only)
- Deal: rate 9–16% (range across products — see matrix)
- ticket ₹1–40cr (range across products — see matrix)
- tenure 1–12mo (range across products — see matrix)
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 10–15% (56%)
- median ticket ₹10cr
- median rate 13%
- median turnaround 57d
- Security asked in : Personal Guarantee Of Promoters/Directors (×2), Fixed Deposit <5% (×1), FD margin 5–10% (×1), FD margin 10–15% (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×9), FD margin 10–15% (×5), FD margin 15–20% (×2), Escrow Of Cashflows (×1)
- share → in-principle approval (initial interest): ≈13d
- in-principle approval → sanction (underwriting): ≈3d
- sanction → disburse (closing): ≈32d
What Drip Capital 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 |
|---|---|---|---|
Import Factoring▾Turnaround ~57d Rejects
Wins
10 more ▾ ▴
Behaviour & gates
3 more ▾ ▴
| ₹4.8 cr | 13% | 12 mo |
Also offered, with no terms observed yet: Export Financing, Sales Invoice Discounting, Working Capital Demand Loan.
What borrowers ask about Drip Capital
- What does Drip Capital lend?
- Drip Capital writes export financing, import factoring, sales invoice discounting, working capital demand loan. Across those, observed facilities run ₹4.8 cr to ₹4.8 cr.
- What ticket size does Drip Capital offer?
- Facilities observed on live transactions run from ₹4.8 cr to ₹4.8 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does Drip Capital charge?
- Rates observed on live transactions fall between 13% and 13% 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 Drip Capital take to disburse?
- About 57 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 Drip Capital'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 Drip Capital
Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.
Search the panel by name, product or ticket size, and compare credit boxes side by side.
Registry identity, GST status, charges and ratings for any Indian company, including your own.
The underwriting platform these credit boxes come from. Built for lenders and credit teams.
Founder stories from the companies building in India, from the team behind Recur Club.
See whether Drip Capital is the right lender for you
A few questions. Recur Market scores you against Drip Capital and the rest of the panel, on each lender's own recorded criteria.
Check my matchLast updated
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 Drip Capital's current policy. Terms are set by the lender at the time of sanction.