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VentureSoul Capital business loans

VentureSoul Capital is on Recur Club's lender panel, writing secured term loan, venture debt. Observed tickets run ₹8 cr to ₹20 cr, priced between 14.5% and 15%. Median turnaround from application to disbursal is about 122 days.

  • ✓Tickets from ₹8 Cr – ₹20 Cr across 2 products
  • ✓Indicative pricing 14.5% – 15%, 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
2
Products live
₹10 Cr
Median sanction
— 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.

Behaviour & gates
  • Borrower: CIBIL ≥650
  • avoid
    Gambling and BettingTobacco ProductsEngineeringProcurementand Construction (EPC)Lottery BusinessOil and GasReal Estate (non asset Light)
  • pan-India
  • Financials: runway ≥12mo
  • rev ≥₹30cr
  • TOL/adjusted tangible net worth ≤5
16 more ▾
  • maximum runway: 100
  • debt/EBITDA ≤4
  • maximum annualrevenue: 5000
  • debt/networth ≤4
  • DSCR ≥1
  • Deal: rate 15–19%
  • ticket ₹8–30cr
  • tenure 18–36mo
  • Security (observed): 1st/pari-passu charge on current assets (100%)
  • Personal Guarantee Of Promoters / Directors / Property Owner (77%)
  • Security asked in : 1st/pari-passu charge on current assets (×1), Fixed Deposit <5% (×1), FD margin 5–10% (×1), FD margin 10–15% (×1)
  • Security asked in : 1st/pari-passu charge on current assets (×4), Personal Guarantee Of Promoters/Directors (×3), 2nd charge on current assets (×1), Corporate Guarantee (×1)
  • Security asked in 2026: 1st/pari-passu charge on current assets (×13), Personal Guarantee Of Promoters / Directors / Property Owner (×10), Warrants 5-10% (×6), FD margin 10–15% (×4)
  • share → in-principle approval (initial interest): ≈22d
  • in-principle approval → sanction (underwriting): ≈72d
  • sanction → disburse (closing): ≈16d
— Products & indicative terms

What VentureSoul 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.

ProductTicketPricingTenure
Secured Term Loan▾

Turnaround ~122d

Rejects
  • Negative sectors
    Gambling and BettingTobacco ProductsEngineeringProcurementand Construction (EPC)Lottery BusinessOil and GasReal Estate (non asset Light) [setMohit Gautam]
Wins
  • Director overdue: 0.001 INR Cr [set , Mohit Gautam]
  • Director CIBIL: 650 [set , Mohit Gautam]
  • States: pan-India [set , Mohit Gautam]
  • Min Runway: 12 Months [set , Mohit Gautam]
11 more ▾
  • Min revenue (₹cr): 30 [set , Mohit Gautam]
  • TOL: 5 [set , Mohit Gautam]
  • Max Runway: 100 Months [set , Mohit Gautam]
  • Debt / EBITDA: 4 [set , Mohit Gautam]
  • Max revenue (₹cr): 5000 [set , Mohit Gautam]
  • Debt / Net worth: 4 [set , Mohit Gautam]
  • Debt Service Coverage Ratio: 1 [set , Mohit Gautam]
  • Offered terms (past deals): rate 14.5–14.8–15%
  • ₹8–14–20 Cr
  • 30–30–30 mo
  • Turnaround: ≈122 days (share→disburse)
Behaviour & gates
  • Min tenure (mo): 18 Months [set , Mohit Gautam]
  • Min ticket (₹cr): 8 [set , Mohit Gautam]
  • Max tenure (mo): 36 Months [set , Mohit Gautam]
  • Min rate (%): 15 [set , Mohit Gautam]
  • Max ticket (₹cr): 30 [set , Mohit Gautam]
  • Security required: ['Charge On Current Assets - Second Charge', 'Fixed Deposit 15 - 20%', 'Personal Guarantee of Promoters / Directors / Property Owner'], ['Charge On Current Assets - Second Charge', 'Warrants 5-10%'], ['Charge On Current Assets - Pari Passu First Charge', 'Personal Guarantee of Promoters / Directors / Property Owner'] [set , Mohit Gautam]
4 more ▾
  • Max rate (%): 19 [set , Mohit Gautam]
  • rate — stated 15–19%, actually offered 14.5–15% → priced/sized below stated floor
  • Amount — stated 8–30 Cr, actually offered 8–20 Cr → within stated band
  • Tenure — stated 18–36 mo, actually offered 30–30 mo → within stated band
₹8–20 cr14.5–15%30 mo

Also offered, with no terms observed yet: Venture Debt.

— Typical term sheet

What a sanction from VentureSoul 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.

Indicative

How often each clause appears

Share of the 1 sanction letters carrying the clause.

No further charge / pledge of assets elsewhere100%
— 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.

  • Receivables
  • current assets (incl. bank accounts)
  • fixed assets
  • intangible assets1 letters
  • Undated cheques1 letters
  • Escrowed receivables1 letters
  • Receivables, current assets (incl. bank accounts), fixed assets, intangible assets ×1, Undated cheques ×1, Escrowed receivables ×1
— Common questions

What borrowers ask about VentureSoul Capital

What does VentureSoul Capital lend?
VentureSoul Capital writes secured term loan, venture debt. Across those, observed facilities run ₹8 cr to ₹20 cr.
What ticket size does VentureSoul Capital offer?
Facilities observed on live transactions run from ₹8 cr to ₹20 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does VentureSoul Capital charge?
Rates observed on live transactions fall between 14.5% and 15% a year. Tenures run 30 to 30 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
How long does VentureSoul Capital take to disburse?
About 122 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 VentureSoul 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 VentureSoul Capital

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Last 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 VentureSoul Capital's current policy. Terms are set by the lender at the time of sanction.