# 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.

Source: https://www.recurclub.com/lenders/venturesoul-capital
Last updated: 2026-09-29

## Products and indicative terms

Observed on live transactions. Not an offer or a quote.

| Product | Ticket | Rate | Tenure |
|---|---|---|---|
| Secured Term Loan | ₹8–20 cr | 14.5–15% | 30 mo |

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · avoid: Gambling and Betting, Tobacco Products, Engineering, Procurement, and Construction (EPC), Lottery Business, Oil and Gas, Real Estate (non asset Light) · pan-India
- Financials: runway ≥12mo · rev ≥₹30cr · TOL/adjusted tangible net worth ≤5 · 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

## Sanctioned terms (from 1 real sanction letter)

### Sanctioned amount: median ₹10 cr

- median ₹10 cr

### Typical security: Receivables, current assets (incl. bank accounts), fixed assets, intangible assets ×1, Undated cheques ×1, Escrowed receivables ×1

- Receivables, current assets (incl. bank accounts), fixed assets, intangible assets ×1, Undated cheques ×1, Escrowed receivables ×1

### Typical covenants: - No further charge / pledge of assets elsewhere — 100% of letters (e.g. "No pledge of Founder shares permitted; if a pledge of shares of the Issuer is made available to any other lender or debt investor as security/collateral, the Is…")

- No further charge / pledge of assets elsewhere — 100% of letters (e.g. "No pledge of Founder shares permitted; if a pledge of shares of the Issuer is made available to any other lender or debt investor as security/collateral, the Is…")

### Term sheet by ticket size: (facilities, largest first)

- (facilities, largest first)

## Common questions

### 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.

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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 VentureSoul Capital's current policy.