What does RevX Advisors lend?

RevX Advisors 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 ₹2 cr to ₹50 cr.

What ticket size does RevX Advisors offer?

Facilities observed on live transactions run from ₹2 cr to ₹50 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

What rate does RevX Advisors charge?

Rates observed on live transactions fall between 14% and 17% a year. Tenures run 18 to 24 months. These are observed figures, not a quote, and the rate you are offered depends on your file.

How long does RevX Advisors take to disburse?

About 71 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 RevX Advisors'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

RevX Advisors business loans

RevX Advisors is on Recur Club's lender panel, writing operating lease, overdraft / cash credit, purchase invoice discounting and 4 other products. Observed tickets run ₹2 cr to ₹50 cr, priced between 14% and 17%. Median turnaround from application to disbursal is about 71 days.

✓Tickets from ₹2 Cr – ₹50 Cr across 7 products
✓Indicative pricing 14% – 17%, as quoted on live transactions
✓We check your fit against every lender on the panel, not just this one

Check your fit →See a typical term sheet

Products live

₹15 Cr

Median sanction

Sanction letters read

— 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.

Rejects

Sector agnostic except real estate (RE) and EPC
Not funded a single branch-led or small NBFC in the last 12 years; only funds large-AUM NBFCs (e.g. recently funded BharatPe)
Doesn't do EPC companies
Will not proceed with the transaction at this stage, citing the company's limited runway and current scale of business

10 more ▾

Won't be able to close the deal if factoring in their fee, as the company is very price sensitive
this is passed due to cashflows + history with other lenders.
Company currently too small for lender in terms of debt servicing capacity
Fund cannot provide share pledge as collateral because fund documents do not permit it
Company flagged for ED Raid and PEP — likely to be declined on compliance grounds
RevX dropped the deal due to multiple litigation cases, cheque dishonouring cases, and criminal cases against the promoters.
Won't do Indore-based companies
Dropped the deal due to discomfort with loss-making EV financing companies
We always avoid solar EPC companies in general
Evaluated the company in the past and was not satisfied with its responses around business and receivables

Wins

For SME deals, prefers strong governance, promoter group comfort, and 3rd-party collateral such as a share pledge from a listed company
For startups, focuses on strong equity backing and the company's ability to raise further capital
Not very keen on MFI, gold loan, branch-heavy, cash-collection NBFCs in tier 2 or other locations without institutional capital backing, unless the promoter has strong experience
Where perceived risk is lower, willing to price large transactions below 17% XIRR

17 more ▾

Looking for large transactions
…more in playbook
Current target returns 17-18% XIRR, down from earlier 21-23% XIRR as focus shifted from yield to scale
DD process
detailed data requestclarification callsAcumen checksterm sheet closure (≈70% underwriting complete by that stage)commitment feedocumentationphysical DDbanking+GST verification
Deal sourcing via IBs, customer/CFO referrals, DSAs, outbound to VC/PE-backed companies, and redeployment (≈35%+ of portfolio)
Ideal ticket size is ₹10–15 crore+, regularly executes ₹20–50 crore deals, with exposures reaching ₹95 crore in a single deal
Minimum ticket size is ₹5 crore
Minimum ticket size ₹5 crore, ideal ticket size ₹10-15 crore+, regularly executes ₹20-50 crore transactions, with exposures reaching ₹95 crore in a single deal
10 transactions at ₹50cr performing credit; 4-5 companies at ₹75cr and upward; highest single disbursement ₹95cr
Many portfolio companies have revenue scale of ₹100 crore+
Prefers ≈9 months of runway for companies with negative EBITDA
XIRR expectation of 18%
Turnover less than 100cr. DPIT registered.
90% are in Metros. Tier 3 and 4 will completely avoid
LAP can do for loss making
risky LTV. 0.5 0.75x, where comfort is there can go up to 1.5x
Real estate transactions security cover is 3x

Behaviour & gates

Borrower: CIBIL ≥650 (cohort ≈740)
age ≥1y
avoid: Engineering, Procurement, and Construction (EPC)
pan-India
Private Limited, Public
Financials: runway ≥9mo

17 more ▾

rev ≥₹20cr (cohort ≈136)
TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4 (cohort ≈0.1×)
debt/networth ≤4 (cohort ≈0.1×)
DSCR ≥1 (cohort ≈1×)
Deal: rate 13–20% (range across products — see matrix)
ticket ₹5–120cr
tenure 6–60mo (range across products — see matrix)
no PEP
Security (observed): 1st/pari-passu charge on current assets (100%)
Personal Guarantee Of Promoters / Directors / Property Owner (61%)
Security asked in : 1st/pari-passu charge on current assets (×7), Personal Guarantee Of Promoters/Directors (×6), FD margin 20–30% (×3), Escrow Of Cashflows (×2)
Security asked in : 1st/pari-passu charge on current assets (×31), Personal Guarantee Of Promoters/Directors (×20), 2nd charge on current assets (×7), FD margin 5–10% (×6)
Security asked in 2026: 1st/pari-passu charge on current assets (×41), Personal Guarantee Of Promoters / Directors / Property Owner (×25), FD margin 10–15% (×13), Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (×6)
share → in-principle approval (initial interest): ≈8d
in-principle approval → sanction (underwriting): ≈34d
sanction → disburse (closing): ≈2d

— Products & indicative terms

What RevX Advisors 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 ~71d Rejects Negative sectors: Engineering, Procurement, and Construction (EPC) [set , Khushbu Chheda] Wins Director overdue: 0.001 INR Cr [set , Khushbu Chheda] Director CIBIL: 650 → funded cohort ≈740 [set , Khushbu Chheda] States: pan-India [set , Khushbu Chheda] Company types: Private Limited, Public [set , Khushbu Chheda] 20 more ▾ ▴ Min company age (yr): 1 Years [set , Khushbu Chheda] Min Runway: 9 Months [set , Khushbu Chheda] Min revenue (₹cr): 20 → funded cohort ≈136 [set , Khushbu Chheda] TOL: 5 [set , Khushbu Chheda] Debt / EBITDA: 4 → funded cohort ≈0.06 [set , Khushbu Chheda] Min Networth: 0 INR Cr → funded cohort ≈60.33 [set , Khushbu Chheda] Debt / Net worth: 4 → funded cohort ≈0.12 [set , Khushbu Chheda] Debt Service Coverage Ratio: 1 → funded cohort ≈0.96 [set , Khushbu Chheda] Offered terms (past deals): rate 14–15–17% ₹2–7–50 Cr 18–24–24 mo Turnaround: ≈71 days (share→disburse) Asks for MIS (×13) — e.g. Requires provisional financial notes, 12-24 months of monthly MIS, and customer Asks for Other (×11) — e.g. Requires ability to take first/second charge as security; company not agreeable Asks for Debt schedule / sanction letters (×7) — e.g. RevX Capital is requesting the signed sanction letters from Federal Bank for Aur Asks for Provisional financials (×5) — e.g. RevX Capital requires provisional financials (standalone and consolidated) for p Asks for Term sheet (×5) — e.g. Requests brief descriptions of each revenue vertical Asks for Cash balance (×3) — e.g. Requires current free & unencumbered cash balance as of the latest month Asks for Cap table / equity (×1) — e.g. RevX Capital requires updates on shareholding/equity raises and any KMP/BOD chan Asks for Receivable/inventory ageing (×1) — e.g. RevX Capital requires receivable and payable ageing reports Behaviour & gates Min tenure (mo): 6 Months [set , Khushbu Chheda] Min ticket (₹cr): 5 [set , Khushbu Chheda] Max tenure (mo): 60 Months [set , Khushbu Chheda] Min rate (%): 14 [set , Khushbu Chheda] Politically Exposed Person: No [set , Khushbu Chheda] Max ticket (₹cr): 120 [set , Khushbu Chheda] 31 more ▾ ▴ Security required: ['Charge On Current Assets - Second Charge', 'Pledge Of Shares <= 51%'], ['Charge On Current Assets - Second Charge', 'Fixed Deposit 10 - 15%'], ['Charge On Current Assets - Pari Passu First Charge'], ['Charge On Movable Fixed Assets/Plant & Machinery - Exclusive First Charge'], ['Charge on Immovable Fixed Assets - Exclusive First Charge'] [set , Khushbu Chheda] Max rate (%): 20 [set , Khushbu Chheda] rate — stated 14–20%, actually offered 14–17% → within stated band Amount — stated 5–120 Cr, actually offered 2–50 Cr → priced/sized below stated floor Tenure — stated 6–60 mo, actually offered 18–24 mo → within stated band We have evaluated and passed on this opportunity before, hence would not go ahead with this. (×1 latest ) Due to limited runway, will pass on this transaction. (×1 latest ) Considering the proposed security structure and requirements, will not be able to proceed with this transaction — please pass for now. (×1 latest ) Will not proceed with the transaction at this stage, citing the company's limited runway and current scale of business (×1 latest ) Pricing of 12-13% is not doable; if pricing is a constraint, will pass on the deal (×1 latest ) Won't be able to close the deal if factoring in their fee, as the company is very price sensitive (×1 latest ) this is passed due to cashflows + history with other lenders. (×1 latest ) Company currently too small for lender in terms of debt servicing capacity (×1 latest ) Fund cannot provide share pledge as collateral because fund documents do not permit it (×1 latest ) Company flagged for ED Raid and PEP — likely to be declined on compliance grounds (×1 latest ) RevX dropped the deal due to multiple litigation cases, cheque dishonouring cases, and criminal cases against the promoters. (×1 latest ) Lender decided not to pursue this deal (×1 latest ) Won't do Indore-based companies (×1 latest )	₹2–50 cr	14–17%	18–24 mo

Also offered, with no terms observed yet: Operating Lease, Overdraft / Cash Credit, Purchase Invoice Discounting, Sales Invoice Discounting, Venture Debt, Working Capital Demand Loan.

— Typical term sheet

What a sanction from RevX Advisors 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.

Indicative

How often each clause appears

Share of the 3 sanction letters carrying the clause.

Other standing covenants100%

— Security & covenants

What they will ask you to pledge

Counted across the sanction letters read. A combination is normal, and most files carry more than one.

Hypothecated Properties1 letters
Hypothecation1 letters
All present and future assets — cashflows
fixed & current assets
inventory
receivables
rental deposits
intangible assets (brand & IP)
uncalled share capital1 letters
Fixed and current assets including IP and Brand1 letters
Current assets and fixed assets including intangibles
tangibles
IP1 letters

Hypothecated Properties ×1, Hypothecation ×1, All present and future assets
cashflowsfixed & current assetsinventoryreceivablesrental depositsintangible assets (brand & IP)uncalled share capital ×1Fixed and current assets including IP and Brand ×1Current assets and fixed assets including intangiblestangiblesIP ×1

— Common questions

What borrowers ask about RevX Advisors

What does RevX Advisors lend?: RevX Advisors 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 ₹2 cr to ₹50 cr.
What ticket size does RevX Advisors offer?: Facilities observed on live transactions run from ₹2 cr to ₹50 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does RevX Advisors charge?: Rates observed on live transactions fall between 14% and 17% a year. Tenures run 18 to 24 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
How long does RevX Advisors take to disburse?: About 71 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 RevX Advisors'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 RevX Advisors

Check your match

Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.

Browse every lender

Search the panel by name, product or ticket size, and compare credit boxes side by side.

Look up a company

Registry identity, GST status, charges and ratings for any Indian company, including your own.

AICA

The underwriting platform these credit boxes come from. Built for lenders and credit teams.

Bharat Ke SuperFounders

Founder stories from the companies building in India, from the team behind Recur Club.

See whether RevX Advisors is the right lender for you

A few questions. Recur Market scores you against RevX Advisors and the rest of the panel, on each lender's own recorded criteria.

Check my match

Last updated 29 September 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 RevX Advisors's current policy. Terms are set by the lender at the time of sanction.