Vivriti Capital business loans
Vivriti Capital is on Recur Club's lender panel, writing overdraft / cash credit, purchase invoice discounting, sales invoice discounting and 2 other products.
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2 lenders under one brand
They share a screening philosophy but not a book. Which one your file goes to depends on what you are borrowing against.
Vivriti Capital Private Limited
- Borrower: CIBIL ≥650
- avoid: Trading (varies by product)
- pan-India
- Private Limited, Public, Sole proprietorship, Limited Liability Partner
- sector-agnostic (44 sectors — full list in data JSON) (varies by product)
- Financials: EBITDA ≥₹1cr
17 more ▾ ▴
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- networth ≥₹25cr
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 12–19%
- ticket ₹15–1000cr (range across products — see matrix)
- tenure 12–48mo
- Security (observed): FD margin 10–15% (100%)
- 1st/pari-passu charge on current assets (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (86%)
- median ticket ₹20cr
- median rate 13%
- median turnaround —
- Security asked in : 1st/pari-passu charge on current assets (×3), Fixed Deposit <5% (×3), FD margin 5–10% (×3), FD margin 10–15% (×3)
- Security asked in : Personal Guarantee Of Promoters/Directors (×6), 1st/pari-passu charge on current assets (×5), FD margin 5–10% (×3), FD margin 15–20% (×3)
- Security asked in 2026: FD margin 10–15% (×7), 1st/pari-passu charge on current assets (×7), Personal Guarantee Of Promoters / Directors / Property Owner (×6), 1st charge on P&M (×3)
Vivriti Asset Management Private Limited
- Will avoid EPC / Infra segment
- Prefers a clear exit route without dependency on an IPO; wary of taking an 'IPO bet'
- Discomfort with the sector; very selective on EPC exposure
- Borrower has an OTS (one-time settlement) history and limited history of consistent EBITDA
- Will evaluate deals with a minimum ticket size of INR 50Cr
- Borrower: CIBIL ≥650
- Maharashtra (varies by product)
- Financials: rev ≥₹200cr (secured term loan, working capital demand loan only)
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- maximum annualrevenue: 5000 (secured term loan, working capital demand loan only)
16 more ▾ ▴
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 14–16%
- ticket ₹50–200cr
- tenure 12–48mo
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 10–15% (100%)
- share pledge ≤51% (100%)
- 2nd charge on current assets (100%)
- Movable Fixed Assets/Plant & Machinery - Second Charge (50%)
- median ticket ₹50cr
- median rate 13.5%
- median turnaround —
- Security asked in : 1st/pari-passu charge on current assets (×3), Escrow Of Cashflows (×2), Fixed Deposit <5% (×2), FD margin 5–10% (×2)
- Security asked in : 1st/pari-passu charge on current assets (×4), Personal Guarantee Of Promoters/Directors (×4), FD margin 15–20% (×2), 2nd charge on current assets (×2)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×2), FD margin 10–15% (×2), share pledge ≤51% (×2), 2nd charge on current assets (×2)
What Vivriti 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 | Arm |
|---|
Also offered, with no terms observed yet: Overdraft / Cash Credit, Purchase Invoice Discounting, Sales Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.
What a sanction from Vivriti 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 14 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.
Vivriti Capital Private Limited
- Undated Cheques5 letters
- Demand Promissory Note / Letter of Continuity3 letters
- Current assets and movable fixed assets (hypothecation)3 letters
- Undated cheques3 letters
- Receivables / Invoices2 letters
- Cash / Security Deposit2 letters
- Undated Cheques ×5, Demand Promissory Note / Letter of Continuity ×3, Current assets and movable fixed assets (hypothecation) ×3, Undated cheques ×3, Receivables / Invoices ×2, Cash / Security Deposit ×2
What borrowers ask about Vivriti Capital
- What does Vivriti Capital lend?
- Vivriti Capital writes overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan, working capital demand loan.
- What are Vivriti 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.
- Who does Vivriti Capital not fund?
- Will avoid EPC / Infra segment Sector and structure exclusions are listed in full on this page.
- What security does Vivriti Capital ask for?
- Observed across sanctions: FD margin 10–15% (100%) · 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (86%).
- What documents does Vivriti Capital ask for?
- Most often other. Having these ready before the first call is what shortens the turnaround.
Next steps after Vivriti Capital
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See whether Vivriti Capital is the right lender for you
A few questions. Recur Market scores you against Vivriti 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 Vivriti Capital's current policy. Terms are set by the lender at the time of sanction.