# Mizuho Capsave business loans

Source: https://www.recurclub.com/lenders/mizuho-capsave
Last updated: 2026-10-20

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · avoid: Oil and Gas, Gems and Jewellery, Infrastructure, Agriculture and Allied Industries, Steel, Services for Mining Industry, Engineering, Procurement, and Construction (EPC) · pan-India · Private Limited, Public, Sole proprietorship, Limited Liability Partner · sector-agnostic (45 sectors — full list in data JSON)
- Financials: EBITDA ≥₹2cr · rev ≥₹40cr · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 12–16% · ticket ₹1–15cr · tenure 12–60mo · no PEP
- Security: FD margin 10–15% · 1st charge on P&M

## Sanctioned terms (from 2 real sanction letters)

### Sanctioned amount: median ₹1 cr

- median ₹1 cr

### Typical security: Fixed Deposit ×2, auto-debit mandate/cheques ×1

- Fixed Deposit ×2, auto-debit mandate/cheques ×1

### Typical covenants: - Other standing covenants — 50% of letters

- Other standing covenants — 50% of letters

### Term sheet by ticket size: (facilities, largest first)

- (facilities, largest first)

## Common questions

### What are Mizuho Capsave'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.

### How do I apply to Mizuho Capsave?

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

### Is Mizuho Capsave 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 Mizuho Capsave 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 Mizuho Capsave's current policy.