# 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. Source: https://www.recurclub.com/lenders/vivriti-capital Last updated: 2026-09-29 Also offered, with no terms observed yet: Overdraft / Cash Credit, Purchase Invoice Discounting, Sales Invoice Discounting, Secured Term Loan, Working Capital Demand Loan. ## Eligibility - VIVRITI CAPITAL PRIVATE LIMITED ### Screening gates and observed behaviour - 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 · 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) ## Eligibility - Vivriti Asset Management Private Limited ### Will not fund - Will avoid EPC / Infra segment ### Prefers - 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 ### Screening gates and observed behaviour - 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) · 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) ## Sanctioned terms (from 14 real sanction letters) ### Sanctioned amount: median ₹12 cr (₹10L–₹20 cr) · NEW ×10 · ENHANCEMENT ×1 - median ₹12 cr (₹10L–₹20 cr) · NEW ×10 · ENHANCEMENT ×1 ### Typical security: 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 - 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 ### Typical covenants: - Other standing covenants — 86% of letters (e.g. "Borrower to route proportionate cashflow via escrow account opened with a Bank as advised by Vivriti Capital; other specific covenants as may be stipulated by t…") - Other standing covenants — 86% of letters (e.g. "Borrower to route proportionate cashflow via escrow account opened with a Bank as advised by Vivriti Capital; other specific covenants as may be stipulated by t…") ### Term sheet by ticket size: (facilities, largest first) - (facilities, largest first) ## Common questions ### 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. --- Check which lenders fund a business like yours: https://www.recurclub.com/recur-market All lenders: https://www.recurclub.com/lenders 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.