# Trifecta Capital business loans

> Trifecta Capital is on Recur Club's lender panel, writing operating lease, secured term loan, venture debt.

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

Also offered, with no terms observed yet: Operating Lease, Secured Term Loan, Venture Debt.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · Private Limited, Public
- Financials: EBITDA ≥₹-100cr · runway ≥6mo · rev ≥₹10cr · TOL/adjusted tangible net worth ≤5 · debt/networth ≤4
- Deal: rate 13–16% · ticket ₹5–200cr · tenure 12–42mo
- Security (observed): 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (60%)
- Security asked in : Fixed Deposit <5% (×1), FD margin 5–10% (×1), FD margin 10–15% (×1), FD margin 15–20% (×1)
- Security asked in : 1st/pari-passu charge on current assets (×3), FD margin 5–10% (×2), Personal Guarantee Of Promoters/Directors (×2), FD margin 10–15% (×2)
- Security asked in 2026: 1st/pari-passu charge on current assets (×10), Personal Guarantee Of Promoters / Directors / Property Owner (×6), FD margin 10–15% (×4), FD margin 5–10% (×2)
- share → in-principle approval (initial interest): ≈18d

## Common questions

### What does Trifecta Capital lend?

Trifecta Capital writes operating lease, secured term loan, venture debt.

### What are Trifecta 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 Trifecta Capital ask for?

Observed across sanctions: 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (60%).

### How do I apply to Trifecta Capital?

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

### Is Trifecta 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 Trifecta 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 Trifecta Capital's current policy.