# Profectus Capital business loans

> Profectus Capital is on Recur Club's lender panel, writing machinery loan, secured term loan.

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

Also offered, with no terms observed yet: Machinery Loan, Secured Term Loan.

## Eligibility

### Screening gates and observed behaviour

- 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) · 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)

## Sanctioned terms (from 4 real sanction letters)

### Sanctioned amount: median ₹3.3 cr (₹61L–₹4.7 cr) · NEW ×2

- median ₹3.3 cr (₹61L–₹4.7 cr) · NEW ×2

### Typical security: 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

- 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

### Typical covenants: - No further charge / pledge of assets elsewhere — 50% of letters

- No further charge / pledge of assets elsewhere — 50% of letters

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

- (facilities, largest first)

## Common questions

### 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.

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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 Profectus Capital's current policy.