# 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.

Source: https://www.recurclub.com/lenders/drip-capital
Last updated: 2026-10-20

## Products and indicative terms

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

| Product | Ticket | Rate | Tenure |
|---|---|---|---|
| Import Factoring | ₹4.8 cr | 13% | 12 mo |

Also offered, with no terms observed yet: Export Financing, Sales Invoice Discounting, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- 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)
- 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

## Common questions

### 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.

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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 Drip Capital's current policy.