UGRO Capital business loans
UGRO Capital is on Recur Club's lender panel, writing cashflow financing, machinery loan, secured term loan and 1 other products. Observed tickets run ₹50 lakh to ₹3 cr, priced between 14.3% and 20%. Median turnaround from application to disbursal is about 9 days.
- ✓Tickets from ₹50 L – ₹3 Cr across 4 products
- ✓Indicative pricing 14.3% – 20%, as quoted on live transactions
- ✓Around 9 days from application to disbursal when the file is clean
- ✓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
- Private Limited, Public, Sole proprietorship, Limited Liability Partner (varies by product)
- avoid: Financial Services (varies by product)
- Financials: runway ≥18mo (secured term loan only)
- maximum tradereceivables: 120 (secured term loan only)
- minimum workingcapitalgap: 10 (secured term loan only)
21 more ▾ ▴
- minimum tradereceivables: 7 (secured term loan only)
- minimum tradepayables: 7 (secured term loan only)
- maximum tradepayables: 150 (secured term loan only)
- maximum workingcapitalgap: 120 (secured term loan only)
- TOL/adjusted tangible net worth ≤5 (machinery loan only)
- debt/EBITDA ≤4 (machinery loan only)
- debt/networth ≤4 (machinery loan only)
- DSCR ≥1 (machinery loan only)
- Deal: ticket ₹1–25cr (range across products — see matrix)
- tenure 6–48mo (range across products — see matrix)
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- 1st/pari-passu charge on current assets (100%)
- FD margin 10–15% (67%)
- 1st charge on P&M (50%)
- median ticket ₹1.5cr
- median rate 17%
- median turnaround 9d
- Security asked in : Personal Guarantee Of Promoters / Directors / Property Owner (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×6), 1st/pari-passu charge on current assets (×6), FD margin 10–15% (×4), 1st charge on P&M (×3)
- share → in-principle approval (initial interest): ≈4d
- sanction → disburse (closing): ≈4d
What UGRO 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 |
|---|---|---|---|
Cashflow Financing▾Turnaround ~9d Wins
Behaviour & gates
| ₹0.5–3 cr | 14.3–20% | 4–18 mo |
Also offered, with no terms observed yet: Machinery Loan, Secured Term Loan, Working Capital Demand Loan.
What a sanction from UGRO 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 41 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.
- Machinery2 letters
- Post Dated Cheques (PDC)1 letters
- Escrow/receivables1 letters
- auto-debit mandate and cheques1 letters
- Machinery ×2, Post Dated Cheques (PDC) ×1, Escrow/receivables ×1, auto-debit mandate and cheques ×1
What borrowers ask about UGRO Capital
- What does UGRO Capital lend?
- UGRO Capital writes cashflow financing, machinery loan, secured term loan, working capital demand loan. Across those, observed facilities run ₹50 lakh to ₹3 cr.
- What ticket size does UGRO Capital offer?
- Facilities observed on live transactions run from ₹50 lakh to ₹3 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does UGRO Capital charge?
- Rates observed on live transactions fall between 14.3% and 20% a year. Tenures run 4 to 18 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
- How long does UGRO Capital take to disburse?
- About 9 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 UGRO 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.
Next steps after UGRO 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 UGRO Capital is the right lender for you
A few questions. Recur Market scores you against UGRO 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 UGRO Capital's current policy. Terms are set by the lender at the time of sanction.