# Varanium Capital business loans

> Varanium Capital is on Recur Club's lender panel, writing purchase invoice discounting, secured term loan, working capital demand loan.

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

Also offered, with no terms observed yet: Purchase Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 15–18% · ticket ₹0–1000cr · tenure 12–30mo
- Security (observed): Personal Guarantee Of Promoters/Directors (100%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×1)

## Common questions

### What does Varanium Capital lend?

Varanium Capital writes purchase invoice discounting, secured term loan, working capital demand loan.

### What are Varanium 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 Varanium Capital ask for?

Observed across sanctions: Personal Guarantee Of Promoters/Directors (100%).

### How do I apply to Varanium Capital?

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

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