What does LC Venture lend?

LC Venture writes operating lease, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan, venture debt and 1 further products. Across those, observed facilities run ₹5 cr to ₹35 cr.

What ticket size does LC Venture offer?

Facilities observed on live transactions run from ₹5 cr to ₹35 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

What rate does LC Venture charge?

Rates observed on live transactions fall between 10% and 15% a year. Tenures run 12 to 60 months. These are observed figures, not a quote, and the rate you are offered depends on your file.

How long does LC Venture take to disburse?

About 48 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 LC Venture'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

LC Venture business loans

LC Venture is on Recur Club's lender panel, writing operating lease, overdraft / cash credit, purchase invoice discounting and 4 other products. Observed tickets run ₹5 cr to ₹35 cr, priced between 10% and 15%. Median turnaround from application to disbursal is about 48 days.

✓Tickets from ₹5 Cr – ₹35 Cr across 7 products
✓Indicative pricing 10% – 15%, as quoted on live transactions
✓We check your fit against every lender on the panel, not just this one

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Products live

— 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.

Behaviour & gates

Borrower: CIBIL ≥650 (cohort ≈739)
sector-agnostic (46 sectors — full list in data JSON)
Private Limited, Public
Financials: TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4 (cohort ≈-0.4×)
debt to equity: 1

14 more ▾

networth ≥₹20cr (cohort ≈39.9)
debt/networth ≤4 (cohort ≈0.3×)
DSCR ≥1 (cohort ≈-1×)
Deal: rate 11–18%
ticket ₹3–50cr
tenure 12–30mo
no PEP
Security (observed): 1st/pari-passu charge on current assets (100%)
Security asked in : 1st/pari-passu charge on current assets (×11), Fixed Deposit <5% (×5), FD margin 5–10% (×5), FD margin 10–15% (×5)
Security asked in : 1st/pari-passu charge on current assets (×47), FD margin 10–15% (×19), FD margin 5–10% (×17), Personal Guarantee Of Promoters/Directors (×14)
Security asked in 2026: 1st/pari-passu charge on current assets (×41), FD margin 10–15% (×17), Personal Guarantee Of Promoters / Directors / Property Owner (×15), FD margin 5–10% (×11)
share → in-principle approval (initial interest): ≈10d
in-principle approval → sanction (underwriting): ≈81d
sanction → disburse (closing): ≈20d

— Products & indicative terms

What LC Venture 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
Secured Term Loan▾▴ Turnaround ~48d Wins Director overdue: 0.001 INR Cr Director CIBIL: 650 → funded cohort ≈739 Company types: Private Limited, Public Debt / EBITDA: 4 → funded cohort ≈-0.42 15 more ▾ ▴ Equity Raised: 20 INR Cr Debt To Equity: 1 Min Networth: 20 INR Cr → funded cohort ≈39.9 Debt / Net worth: 4 → funded cohort ≈0.29 Debt Service Coverage Ratio: 1 → funded cohort ≈-1.04 Offered terms (past deals): rate 10–13–15% ₹5–8.8–35 Cr 12–21–60 mo _(excl. 1 multi-product deal — no per-product split on record)_ Turnaround: ≈48 days (share→disburse) Asks for Term sheet (×12) Asks for Receivable/inventory ageing (×6) Asks for Cap table / equity (×5) Asks for Provisional financials (×4) Asks for Bank statements (×1) Asks for Debt schedule / sanction letters (×1) Behaviour & gates Min tenure (mo): 12 Months Min ticket (₹cr): 3 Max tenure (mo): 30 Months Min rate (%): 11 Politically Exposed Person: No Max ticket (₹cr): 50 5 more ▾ ▴ Security required: ['Charge On Current Assets - Second Charge', 'Fixed Deposit 5 - 10%'], ['Charge On Current Assets - Second Charge', 'Warrants 5-10%'], ['Charge On Current Assets - Pari Passu First Charge'] Max rate (%): 18 rate — stated 11–18%, actually offered 10–15% → priced/sized below stated floor Amount — stated 3–50 Cr, actually offered 5–35 Cr → within stated band Tenure — stated 12–30 mo, actually offered 12–60 mo → exceeded stated ceiling	₹5–35 cr	10–15%	12–60 mo
Venture Debt▾▴ Turnaround ~56d Wins Asks for Audited financials (×1) Asks for Bank statements (×1) Asks for Debt schedule / sanction letters (×1) Asks for Receivable/inventory ageing (×1) Behaviour & gates Offered terms (past deals): rate 12–13.5–14% ₹15–22.5–30 Cr 18–30–30 mo Turnaround: ≈56 days (share→disburse)	₹15–30 cr	12–14%	18–30 mo
Working Capital Demand Loan▾▴ Turnaround ~76d Behaviour & gates Offered terms (past deals): rate 14–14.2–14.5% ₹10–10–10 Cr 12–12–12 mo _(excl. 2 multi-product deals — no per-product split on record)_ Turnaround: ≈76 days (share→disburse)	₹10 cr	14–14.5%	12 mo

Also offered, with no terms observed yet: Purchase Invoice Discounting, Sales Invoice Discounting, Operating Lease, Overdraft / Cash Credit.

— Common questions

What borrowers ask about LC Venture

What does LC Venture lend?: LC Venture writes operating lease, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan, venture debt and 1 further products. Across those, observed facilities run ₹5 cr to ₹35 cr.
What ticket size does LC Venture offer?: Facilities observed on live transactions run from ₹5 cr to ₹35 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does LC Venture charge?: Rates observed on live transactions fall between 10% and 15% a year. Tenures run 12 to 60 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
How long does LC Venture take to disburse?: About 48 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 LC Venture'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 LC Venture

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Last updated 5 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 LC Venture's current policy. Terms are set by the lender at the time of sanction.