Profectus Capital business loans
Profectus Capital is on Recur Club's lender panel, writing machinery loan, secured term loan.
- ✓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
- positive sector: Financial Services (varies by product)
- pan-India (varies by product)
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- networth ≥₹20cr (secured term loan only)
11 more ▾ ▴
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 13–18% (range across products — see matrix)
- ticket ₹3–1000cr
- tenure 12–60mo (range across products — see matrix)
- Security (observed): 1st charge on P&M (100%)
- median ticket ₹5cr
- median rate 14%
- median turnaround —
- Security asked in : 1st/pari-passu charge on current assets (×3), Personal Guarantee Of Promoters/Directors (×3), FD margin 10–15% (×3), 1st charge on P&M (×2)
- Security asked in 2026: 1st charge on P&M (×1)
What Profectus 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 |
|---|
Also offered, with no terms observed yet: Machinery Loan, Secured Term Loan.
What a sanction from Profectus Capital actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 4 sanction letters carrying the clause.
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
- Equipment and Machinery1 letters
- Payment gateway receivables1 letters
- Inventory and receivables1 letters
- Security PDC (post-dated cheques)1 letters
- PDC / auto-debit mandate1 letters
- Immovable Property / Industrial Plot1 letters
- Equipment and Machinery ×1, Payment gateway receivables ×1, Inventory and receivables ×1, Security PDC (post-dated cheques) ×1, PDC / auto-debit mandate ×1, Immovable Property / Industrial Plot ×1
What borrowers ask about Profectus Capital
- What does Profectus Capital lend?
- Profectus Capital writes machinery loan, secured term loan.
- What are Profectus 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.
- What security does Profectus Capital ask for?
- Observed across sanctions: 1st charge on P&M (100%).
- How do I apply to Profectus Capital?
- You do not apply to Profectus Capital directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Profectus Capital's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Profectus Capital 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 Profectus Capital screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.
Next steps after Profectus 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 Profectus Capital is the right lender for you
A few questions. Recur Market scores you against Profectus 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 Profectus Capital's current policy. Terms are set by the lender at the time of sanction.